Yandex.Money / Legal Information

GENERAL TERMS AND CONDITIONS OF THE YANDEX.MONEY SERVICE

Find your type of company in the list below: the corresponding block includes links to the terms and conditions and annexes you need.
 
For Merchants
They accept payments via Yandex.Checkout.
Read through the General Terms and Conditions and Annexes
Sections of the General Terms and ConditionsNumbers of the Clauses and Annexes
Entering into the Contract2.2, 2.3, 2.5, 2.6
Onboarding2.7, 2.10
General Provisions6.1
Operator's Remuneration and Settlements6.2
Accepting and Providing Services by the Operator6.3
Refunding and Cancelling Transfers6.4
Rights and obligations of the Parties whan making the Money Transfers
using bank cards
6.5
Verifying Details of Transfers10.2.5, 10.2.6, 10.3, 10.4, 10.5, 10.6
Use of Trademarks and Other Means of Individualization
requirements for the Counterparty's website and user's Money Transfer interface
11
Responsibility of the Parties and Disputes Settlement13.1, 13.13–12.20
Privacy14
Validity Term, Amending and Terminating of the Contract15
Agreement on Electronic Document FlowAnnex No. 1
Table of the Payment MethodsAnnex No. 4
Form of the Contract for the Merchants Russian ResidentsAnnex No. 8.1
Form of the Contract for the Merchants Non-Russian ResidentsAnnex No. 8.2
Form of the Contract for the Merchants Russian Residents
who are sole proprietors
Annex No. 8.3
Form of the Contract for the Merchants Russian Residents
who are corporations
Annex No. 8.4
Other Terms and Conditions16.2–16.5, 16.7–16.10
For Agents
They provide advertising services for the Yandex.Money services.
Read through the General Terms and Conditions and Annexes
Clauses of the General terms and ConditionsNumbers of Clauses and Annexes
Procedure for entering into the Contract2.2
General overview8.1
Agent's Remuneration and Order for Making Settlements8.2
Accepting the Agent's Services8.3
Use of Trademarks and Other Means of Individualization
requirements for the Counterparty's website and user's Money Transfer interface
11
Responsibility of the Parties and Settlement of Disputes13.1, 13.14, 13.20
Privacy14
Validity Term, Amendments to the Contract and Termination of It15
Form of the Contract for Agents ResidentsAnnex No. 10.1
Form of the Contract for Agents Non-Russian ResidentsAnnex No. 10.2
Other Terms and Conditions16.2–16.5, 16.7–16.10
For Payment Agents (Banking Payment Agents)
They allow the clients to add money to the Yandex.Money's e-wallets
Read through the General Terms and Conditions and Annexes
Sections of the General Terms and ConditionsNumbers of the Clauses and Annexes
Entering into the Contract2.2
Onboarding2.7, 2.10
General Provisions3.1
Interaction of the Parties when the Payment Agent accepts
money from individuals
3.2
Engaging sub-agents by the Payment Agent3.3
The Operator's check for sticking to the Payment Agent's engaging conditions3.4
Settlements3.5
Payment Agent's Remuneration3.6
Payment Agent's Report3.7
Verifying Details of Transfers10.1, 10.2.1, 10.3, 10.4, 10.5, 10.6
Use of Trademarks and Other Means of Individualization
requirements for the Counterparty's website and user's Money Transfer interface
11
Accepting money by the counterparties12
Responsibility of the Parties and Disputes Settlement13.1–13.7, 13.14, 13.19, 13.20
Privacy14
Validity Term, Amending and Terminating of the Contract15
Agreement on Electronic Document flowAnnex No. 1
Form for the list of the operation locationsAnnex No. 2
Form of the Contract with the Payment AgentAnnex No. 5
Other Terms and Conditions16.2–16.5, 16.7–16.10
For Banks
The allow the clients to add money to their Yandex.Money e-wallets.
Read through the General Terms and Conditions and Annexes
Sections of the General Terms and ConditionsNumbers of the Clauses and Annexes
Entering into the Contract2.2
Onboarding2.7, 2.10
General Provisions4.1
Remuneration and Settlements4.2
Accepting and Providing Services by the Bank4.3
Verifying Details of Transfers10.2.2, 10.3, 10.4, 10.5, 10.6
Use of Trademarks and Other Means of Individualization
requirements for the Counterparty's website and user's Money Transfer interface
11
Accepting money by the counterparties12
Responsibility of the Parties and Disputes Settlement13.1, 13.8, 13.9, 13.10, 13.11, 13.14, 13.19, 13.20
Privacy14
Validity Term, Amending and Terminating of the Contract15
Agreement on Electronic Document flowAnnex No. 1
Form of the Contract with the Bank ResidentAnnex No. 6.1
Form of the Contract with the Bank Non-ResidentAnnex No. 6.2
Other Terms and Conditions16.2–16.5, 16.7–16.10
For Providers
They provide the clients with the payment solutions of Yandex.Money and Yandex.Checkout.
Read through the General Terms and Conditions and Annexes
Sections of the General Terms and ConditionsNumbers of the Clauses and Annexes
Entering into the Contract2.2
Onboarding2.7, 2.10
Subject matter of the Contract7.1
General Provisions6.1
The Operator's Remuneration and Settlements6.2
Accepting the Operator's services6.3
Refunding and Cancelling the Money Transfers6.4
Rights and Obligations of the Parties when Performing the Money Transfers
Using Bank Cards
6.5
Verifying Details of Transfers10.2.5, 10.2.6, 10.3, 10.4, 10.5, 10.6
Use of Trademarks and Other Means of Individualization
requirements for the Counterparty's website and user's Money Transfer interface
11
Responsibility of the Parties and Disputes Settlement13.1, 13.14, 13.19, 13.20
Privacy14
Validity Term, Amending and Terminating of the Contract15
Agreement on Electronic Document FlowAnnex No. 1
Table of the Payment MeansAnnex No. 4
Form of the Contract for the Providers ResidentsAnnex No. 9.1
Form of the Contract for the Providers Non-Russian ResidentsAnnex No. 9.2
Other Terms and Conditions16.2–16.5, 16.7–16.10
For Senders
They transfer money to the clients via Yandex.Checkout's solution for mass payouts.
Read through the General Terms and Conditions and Annexes
Sections of the General Terms and ConditionsNumbers of the Clauses and Annexes
Entering into the Contract2.2, 2.4, 2.7, 2.8
Onboarding2.7, 2.10
General Provisions5.1
Interaction of the parties when the Client makes the Order
for transferring the Deposit amount
5.2
The Operator's Remuneration and Settlements5.3
Accepting the Services the Operator Provided5.4
Verifying Details of Transfers10.2.3, 10.2.4, 10.3, 10.4, 10.5, 10.6
Use of Trademarks and Other Means of Individualization
requirements for the Counterparty's website and user's Money Transfer interface
11
Responsibility of the Parties and Disputes Settlement13.1, 13.12, 13.14, 13.19, 13.20
Privacy14
Validity Term, Amending and Terminating of the Contract15
Agreement on Electronic Document FlowAnnex No. 1
Form of the Contract with the Sender ResidentAnnex No. 7.1
Form of the Contract with the Sender Non-ResidentAnnex No. 7.2
Form of the Request for the Senders Residents
who are sole proprietors
Annex No. 7.3
Form of the Request for the Senders Residents
who are corporations
Annex No. 7.4
Other Terms and Conditions16.2–16.5, 16.7–16.10
For advertisers
They place advertisements on the Platforms of Yandex.Money and its partners
Read through the General Terms and Conditions and Annexes
Sections of the General Terms and ConditionsNumbers of the Clauses and Annexes
Entering into the Contract2.2, 2.3, 2.5, 2.6
Onboarding2.7, 2.10
General Provisions9.1 - 9.3, 9.6 - 9.11
Placing Consumer Offers9.4
Placing Business Offers9.5
Operator's Remuneration and Settlements9.13
Reporting Leads9.12
Accepting and Providing Services by the Operator9.14
Use of Trademarks and Other Means of Individualization 11
Responsibility of the Parties and Disputes Settlement13.1, 13.14, 13.19 – 13.21
Privacy14
Validity Term, Amending and Terminating of the Contract15
Agreement on Electronic Document FlowAnnex No. 1
The Form of the Contract for Resident AdvertisersAnnex No. 11.1
The Form of the Contract for Non-Resident AdvertisersAnnex No. 11.2
The Application Form for Resident AdvertisersAnnex No. 11.3
The Application Form for Non-Resident AdvertisersAnnex No. 11.4
Other Terms and Conditions16.2–16.7, 16.10
 
 
Annexes
 
Download General Terms and Conditions of the Yandex.Money Service as one file (.pdf, 1.60 MB)
 
 

1. GENERAL TERMS

1.1. These General Terms and Conditions were developed and approved by the Board of Limited Liability Company Non-bank Credit Organization Yandex.Money (OGRN (Primary National Registration Number) 1127711000031, TIN 7750005725, banking license No. 3510-K of 27.03.2015), hereinafter referred to as the Operator, as the standard conditions of contracts entered into by the Operator with legal entities and individual entrepreneurs in the course of interaction with the Yandex.Money Service.
1.2. In the General Terms and Conditions the following terms are used in the following meanings:
Operator — the Limited Liability Company Non-bank Credit Organization "Yandex.Money", located at: 82 Sadovnicheskaya St., bld. 2, Moscow; license of the Bank of Russia No. 3510-K.
Operator's Website — the Operator's website located on the Internet at either of the following addresses: https://money.yandex.ru or https://kassa.yandex.ru/.
Yandex.Money Service — complex legal relationships that arise between the Operator and the Clients, as well as between the Operator and the Counterparties, related to providing the Clients with funds transfer services ordered by individuals, and Counterparties with accompanying informational and technological services, as well as services for the placement of advertisements on the Platforms by the Operator.
Yandex.Checkout Service — the part of Yandex.Money Service referred to complex legal relationships that arise between the Operator and the Counterparties, and related to providing the informational and technological services when performing Money Transfers in favor of the Providers/Merchants and performing the Deposits.
General Terms and Conditions — these General Terms and Conditions of the Yandex.Money Service.
Client — an individual of at least fourteen years of age who entered into the Agreement or other payment service contract with the Operator.
Agreement—an agreement on provision of funds transfer services without opening an account, using the Yandex.Money service available on Operator’s Site https://money.yandex.ru/page?id=522764.
Wallet—an electronic payment mean served by the Operator to the Clients on the basis of the Agreement.
Payer — the individual by whose order a Money Transfer is performed. The Payer may be the Operator’s Client or an individual who is not the Operator’s Client.
Recipient — an individual, a legal entity or an individual entrepreneur in favor of which the Transfer is made.
Money Transfer — credit organizations’ procedures for providing the Recipient with the Payer’s funds under the applicable forms of non-cash payments, as well as hereinafter referred to as the sum of money being transferred from the Payer to the Recipient.
Order for Money Transfer — electronic Payer's order against which a Money Transfer is performed.
Agent — a legal entity or individual entrepreneur promoting the informational and technological services by the Operator under the Contract entered into.
Bank — the credit organization or the other organization that is entitled to transfer funds by order of individuals in accordance with the effective local legislation, and that provides informational and technological services to the Operator when Money Transfers is performed in favor of the Client, the Merchant, or the Provider (clients of the Provider or clients of the credit organizations that are partners of the Provider) under the Contract entered into with the Operator.
Provider — the organization entitled to transfer funds by order of individuals in accordance with the effective local legislation, to which the Operator provides informational and technological services when performing Money Transfers in favor of the Provider, clients of the Provider, or clients of the credit organizations that are partners of the Provider, under the Contract entered into between the Operator and the Provider.
Payment Agent — the bank payment agent engaged by the Operator for accepting cash from individuals, including via payment kiosks and ATMs, under the Contract entered into in accordance with these General Terms and Conditions.
Merchant — a legal entity or individual entrepreneur to which the Operator provides informational and technological services when performing Money Transfers in favor of the Merchant under the Contract entered into in accordance with these General Terms and Conditions, when such Money Transfers are executed in order to make a donation or pay for the Merchant's Products or other objects of civil rights.
Sender — a legal entity or individual entrepreneur to which the Operator provides informational and technological services when making Deposits under the Contract entered into between the Operator and the Sender.
Advertiser — a legal entity or individual entrepreneur, to which the Operator provides services aimed at attracting the Users to the Lead(s) by placing the Advertiser’s Advertisements (Offers) on the Platforms.
Resident — a person recognized as a resident in accordance with the Russian legislation on currency regulation and currency control.
Non-Resident — a person recognized as a non-resident in accordance with the Russian legislation on currency regulation and currency control.
Counterparty — any of the mentioned: Agent, Payment Agent, Bank, Provider, Merchant, Sender, or Advetiser.
Contract — any of the contracts specified in Clause 1.5. of these General Terms and Conditions. When using the term in relation to a particular Counterparty, ‘Contract’ refers to the type of contract that may be entered into under Clause 1.5. of these General Terms and Conditions.
Parties — parties of the Contract.
Application — the Counterparty’s offer addressed to the Operator to enter into a Contract on the terms set forth in the Application and these General Terms and Conditions.
Connection Application (Request) — an electronic document that is not an offer and contains information about the Counterparty willing to enter into a Contract with the Operator. The Connection Application Form is established by the Operator.
Offer Application — an electronic document sent to the Operator by the Advertiser and containing all information about the Offer and the conditions for its placement necessary for the provision of services under the Contract. The Offer Application Form is established by the Operator.
Products — the products, intellectual property rights, works and services, sold by the Merchant.
Currency of the Obligation — the currency of the payments performed between the Operator and the Counterparty under the monetary obligation arising from the Contract.
Currency of the Product — the currency used to state the price of Products and other objects of civil rights in payment of which Money Transfers are performed.
Merchant Account — computer software with an interface located and/or available on the Internet on the Operator’s Website and displayed by the software for viewing Internet sites (web browser).
IPS — payment systems including international payment systems, including but not limited to MasterCard Worldwide, Visa International and MIR. The Operator specifies the specific list of IPS which cards may be used for the payment or for which may be issued the Order for Money Transfer of the Deposit Amount. The Operator familiarizes the Counterparty with the list on the Service website and can change the list unilaterally at any time.
Reporting Day — a calendar day from 00 hours 00 minutes 00 seconds to 23 hours 59 minutes 59 seconds Moscow Time.
Reporting Month (Reporting Period) — a calendar month from 00 hours 00 minutes 00 seconds Moscow Time of the first calendar day of the month to 23 hours 59 minutes 59 seconds Moscow Time of the last calendar day of the month. If the first and/or last month of the Contract is an incomplete calendar month, the Reporting Period shall be the relevant part of the calendar month.
Working Day — a calendar day from 00 hours 00 minutes 00 seconds to 23 hours 59 minutes 59 seconds Moscow Time, excluding weekends and public holidays established by the legislation of the Russian Federation.
Deposit — the Operator’s activity aimed at accounting of funds that the Sender provided in the Client’s favor in the form of remaining electronic funds balance and at its crediting to the Client’s electronic payment means served by the Operator.
Order for Money Transfer of the Deposit Amount — an order for further transfer of the Deposit amount sent to the Operator by the Client using the Sender’s website.
Collateral — an amount of money provided by the Counterparty to the Operator as a means of ensuring fulfillment of the Counterparty’s obligations under the Contract. The Collateral can be used by the Operator to satisfy any money requirements imposed on the Counterparty under the Contract.
Card — an IPS payment card used by a cardholder for operations with funds kept by the Issuer in accordance with the Russian legislation, IPS rules and the Contract with the Issuer.
Authorization — the procedure of making a request and receiving consent of the Acquirer for executing a payment for Products or donations with a Card.
Issuer — a credit organization that issued the Card.
Acquirer — a credit organization settling accounts with the Operator on transactions made with Cards, under the contract entered into with the Operator.
Fraudulent Transaction — a Money Transfer that the IPS/the Issuer/ the Operator/the Bank claimed to be fraudulent and/or Payer challenged, and/or that the Acquirer/the Operator/the Bank recognized as performed without the Payer's consent or as performed without the Order for Money Transfer, including the Money Transfer performed with a counterfeit electronic payment means/badware and so on.
Sufficient confirmation of a transaction to be Fraudulent is deemed inter alia:
  • a statement of the Issuer/IPS/Acquirer/the Bank received by the Operator via email, via fax, or in hard copy;
  • founded statement of the Client about electronic payment means using without his consent, that was received in the procedure specified by the Agreement;
  • Operator registered the fact of Money Transfer performing without Order for Money Transfer.
  • Invalid Transaction — a Money Transfer that the IPS/the Issuer/the Acquirer / the Operator/ the Client/ the Payer to be invalid according to the IPS rules, Agreement, contract entered into between the Bank and the Payer, these General Terms and Conditions or the Russian legislation, including the following reasons:
  • the Products paid for with the Money Transfer are not provided or are provided in breach of quantity/quality/terms/ other conditions of the contract or the Russian legislation;
  • the Counterparty has failed to provide the documents requested by the Operator in relation to the Invalid Transaction;
  • the price of the Products purchased with the Yandex.Checkout service exceeds the normal price of similar Counterparty Products when paid for with other means.

  • Sufficient confirmation of a transaction to be Invalid is deemed inter alia:
  • a statement of the Issuer/IPS/Acquirer/Bank received by the Operator via email or fax,
  • founded statement of the Client that was received in the procedure specified by the Agreement,
  • Operator registered that the requested documents are not provided, or another fact for which the operation should be qualified as invalid.
  • Money Transfer Notification — confirmation that a Payer's order for Money Transfer was accepted.
    Payment Refund — partial refund of the Money Transfer amount to the Payer on the date of Money Transfer Notification to the Counterparty, and full or partial refund of the Money Transfer amount at any time after the date of Money Transfer Notification to the Counterparty.
    Payment Refund is caused by the Counterparty via one of technically available method that is described on the Operator's website and/or available at the Merchant Account at the moment of Payment Refund performing. These means include but not limited to:
  • the payment order that was received from the Counterparty,
  • the Counterparty’s order furnished via Merchant Account,
  • the Counterparty’s order furnished via MWS or Yandex.Checkout API if these protocols are implemented it's connection was realized by the Counterparty,
  • the Counterparty’s order furnished via the other mean agreed by the Parties.

  • Payment Refund caused by the Operator is performed without the Counterparty's consent if it refers to Invalid Transactions or to Fraudulent Transactions or if the Client requests the refund under the Buyer Protection service.
    Payment Cancellation — full refund of the Money Transfer amount to the Payer by the Operator no later than the date of Money Transfer Notification to the Counterparty according to the Counterparty’s order furnished via one of technically available method that is described on the Operator's website and/or available at the Merchant Account at the moment of Payment Cancellation performing. These means include but not limited to:
  • the Counterparty’s order furnished via Merchant Account,
  • the Counterparty’s order furnished via MWS or Yandex.Checkout API if these protocols are implemented by the Counterparty,
  • the Counterparty’s order furnished via the other method agreed by the Parties.
  • Lead Register — an electronic document containing information about the made Leads for the past Reporting Day, sent daily to the Operator by the Advertiser in accordance with Section 10 of the General Terms and Conditions.
    Certificate of Services Rendered — a document that certifies the services rendered under the Contract for the Reporting Month. The form of the Certificate of Services Rendered is set by the Operator and may be changed unilaterally by the Operator. The form of the Certificate of Services Rendered and any changes thereto shall be communicated to the Counterparty by the Operator via e-mail.
    Payment Agent Report — a document containing information on the funds received by the Payment Agent and the Payment Agent’s fee under the Contract for the Reporting Month. The form of the Payment Agent Report is set by the Operator and may be changed unilaterally by the Operator. The form of the Payment Agent Report and any changes thereto shall be communicated to the Counterparty by the Operator via e-mail.
    Agent’s Report — a document containing information on the Agent’s remunerations and other information specified in these General Terms and Conditions. The form of the Agent’s Report is set by the Operator and may be changed unilaterally by the Operator. The form of the Agent’s Report and any changes thereto shall be communicated to the Counterparty by the Operator via e-mail.
    Advertiser’s Report — a document containing information about the Leads in the Reporting Period, their types, cost, the amount of the Operator’s remunerations for the relevant Leads, their unique identifiers and other information related to the performance of the Contract concluded between the Operator and the Advertiser. The form of the Advertiser’s Report is set by the Operator and may be changed unilaterally by the Operator. The form of the Advertiser’s Report and any changes thereto shall be communicated to the Counterparty by the Operator via e-mail.
    SHC — the Operator’s software and hardware complex for information exchange and electronic document flow between the Operator and the Counterparty.
    Electronic Document Flow Agreement — a document regulating the relationship between the Operator and the Counterparty when using electronic signatures provided in Annex 1 to these General Terms and Conditions and located on the internet page https://money.yandex.ru/doc.xml?id=527255.
    Information Exchange Protocol — a protocol for exchanging information on Transfers, Deposits, cash received by the Payment Agent, or the Advertising Campaign, between the Operator and the Counterparty. The description of the Information Exchange Protocol may vary depending on the type of the Counterparty and is available from the information source specified in these General Terms and Conditions.
    MWS (Merchant Web Services) — an interface for secure interaction between a Counterparty’s automated information system and the Operator over the Internet in accordance with the Information Exchange Protocol https://tech.yandex.ru/money/doc/payment-solution/payment-management/payment-management-about-docpage/.
    HTTP protocol—information Exchange Protocol between the Operator and the Merchant or the Operator and the Provider, posted on the Internet at the address https://tech.yandex.ru/money/doc/payment-solution/About-docpage/, https: // kassa .yandex.ru/docs/api_kassa_apple_pay_via_sdk.pdf
    API—Information Exchange Protocol between the Operator and the Merchant or the Operator and the Provider, posted on the Internet at https://checkout.yandex.com/docs/checkout-api
    Offer Program API — Information Exchange Protocol between the Operator and the Advertiser, posted on the Internet at https://tech.yandex.ru/money/doc/offers/about-docpage/.
    Table of Payment Methods — a document provided in Annex 4 to these General Terms and Conditions containing information on Money Transfer methods provided by the Yandex.Money Service, as well as possibility of Payment Cancellation or Payment Refund.
    The Buyer Protection service—Service of the Operator that provides the Client with the opportunity, in accordance with the procedure and on the conditions established by the Agreement, to receive compensation for the cost of the Products and their delivery paid with the use of the Wallet in the case of failure to perform or improper fulfillment by the Merchant (Provider) of the obligations to the Client.
    User — any person who is a visitor of information resources on the Internet and/or user of a computer program (including mobile devices), in particular, a Platform.
    Advertisement (Offer) — an advertising and information material containing advertising information and corresponding promotional code, discount and (or) link to an Internet source provided by the Advertiser within a certain Advertising Campaign for its placement on the Platforms.
    Advertising Campaign — a marketing event of the Advertiser, performed by placing the Offer on the Platforms.
    Platform — any means of providing and distributing information in computer networks used by the Operator to ensure the placement (display) of Offers, including on the basis of contracts concluded with third parties, including, but not limited to the following: websites (including money.yandex.ru, kassa.yandex.ru, checkout.yandex.com and their mobile versions, other sites), mailing lists, computer programs.
    Lead — any action by the User, which is the basis for the receipt of remuneration by the Operator under the Contract concluded with the Advertiser. In particular, such actions may include, but are not limited to:
    • A click;
    • Entry (use) of the promotional code contained in the Offer by the User;
    • Filling in the application form;
    • Registration of the order on goods (services, works);
    • Payment for goods (services, works);
    • Registration on the website.
    The description of the Lead is contained in the Offer Application.
    Click — a click-through by the User to the link in the Offer.
    1.3. The Yandex.Money Service provides information and technological interaction between the Payers and the Recipients when performing Money Transfers and is also a Platform for Advertisements.
    Money Transfers can be carried out both with participation of the Operator’s Client as the Payer and/or the Recipient and between the persons who are not the Operator’s Clients when the Operator acts as a paying agent for the Money Transfer.
    When Money Transfers are performed within the Yandex.Money Service, the funds transfer services can be provided by the Bank, the Provider and the Operator. Possible Recipients of Money Transfers: the Merchant, the Provider, the Provider’s clients, clients of the credit organization that is the Provider’s partner, or the Operator when the Money Transfer is performed in order to increase the remaining electronic funds balance of the Operator’s Clients.
    The Operator provides the Clients with the option of providing funds in favor of the Operator without using a bank account (including by making a payment to the Payment Agent), with the use of a bank account, and at the expense of the funds provided by the Sender in favor of the Client.
    The Payer, the Recipient and the Counterparty (except the Payment Agent) may be either Residents or Non-residents. The Operator can engage only Residents as the Payment Agents.
    1.4. These General Terms and Conditions regulate the relationship between the Operator and the Counterparty under the Contract entered into by one of the methods set forth in Section 2 of the General Terms and Conditions.
    1.5. The Operator can enter into the following Contracts under the conditions set forth in these General Terms and Conditions:
    1.5.1. The Contract on the Informational and Technological Interaction related to Transfers by Individuals entered into with the Merchant, its subject being providing the Merchant with informational and technological services by the Operator, including collecting, processing and transfer of information on Money Transfers in favor of the Merchant.
    1.5.2. The Contract on the Informational and Technological Interaction related to Transfers by Individuals entered into with the Bank, its subject being providing the Operator with services by the Bank including collecting, processing, and transferring of Notifications and Orders for Money transfers when making the Payer's Money Transfers in favour of the Clients, Suppliers, Providers, their clients or clients of the credit organizations - partners of the Providers.
    1.5.3. The Contract on the Informational and Technological Interaction related to Transfers by Individuals entered into with the Provider, its subject being providing the Provider with informational and technological services by the Operator including collecting, processing, and transfer of information on Money Transfers in favor of the Provider, its clients or clients of credit organization that are partners of the Provider.
    1.5.4. The Contract on engaging bank payment agent entered into with the Payment Agent, its subject being performing legal and other actions on accepting cash from individuals including via payment terminals and ATMs by the Payment Agent acting as the Operator’s bank payment agent on behalf and at the expense of the Operator.
    1.5.5. The Contract on the Informational and Technological Interaction related to Transfers in Favor of Individuals entered into with the Sender, its subject being providing the Sender with informational and technological services by the Operator including collecting, processing, and transfer of information on Deposits made by the Operator.
    1.5.6. The Agency Contract entered into with the Agent, its subject being involving Merchants for signing Contracts with the Operator, for remuneration, in their own name and at the Operator’s expense.
    1.5.7. The Contract of paid rendering of services with the Advertiser, its subject being the rendering of services by the Operator to the Advertiser aimed at attracting the Users to Lead(s) by placing the Advertiser’s Advertisements (Offers) on the Platforms.
    1.6. Obligations arising between individuals that are Payers or Payments Recipients on the one hand and Counterparties on the other hand, pursuant to which the Money Transfers/ Deposits are made, shall occur in the manner and on the grounds prescribed by law and/or a contract between an individual and a Counterparty and shall not be subject to regulation of the Contracts entered into in accordance with these General Terms and Conditions.
    1.7. The Operator has the right to demand information on the obligations set forth in Clause 1.6. of these General Terms and Conditions as well as it has the right to request any but not limited to supporting documents from the Counterparty if such information, for example, is required by law, including the requirements of on counteraction to legalization (laundering) of incomes obtained by criminal means and financing of terrorism legislation, if it needs for fulfillment of the Operator’s obligations, if it is necessary for the recognition of the Fraudulent Transactions or the Invalid Transactions and so on. The Counterparty in answer to the Operator's requirement must provide the requested information and documents within three working days of receiving the Operator's request if the Operator does not establish another term in the request. The Operator sends his request in any address that is mentioned in the Application/the Contract.
    1.8. When entering into a Contract with the Operator, the Counterparty guarantees that it and its agency (representative) bear the necessary legal capacity as well as all rights and powers necessary and sufficient for entering into and execution of the Contract in accordance with these General Terms and Conditions.
    1.9. The current version of these General Terms and Conditions is published on the Operator’s Website at https://money.yandex.ru/doc.xml?id=527067.

    2. PROCEDURE FOR ENTERING INTO CERTAIN TYPES OF CONTRACTS, MODIFICATIONS AND ANNEXES AND TECHNICAL INTEGRATION OF THE PARTIES

    2.1. The Parties can enter into a Contract by signing its hard copy or by electronic document exchange in the procedure specified by this section.
    Table of conclusion of the Contract methods:
    CounterpartyHard copy of the Contract as specified in these General Terms and ConditionsHard copy of the Application (offer) with the mark of acceptanceElectronic document exchange
     Method 1Method 2Method 3
    Payment AgentYES
    Annex No 5
    NONO
    Resident BankYES
    Annex No 6.1
    NONO
    Non-resident BankYES
    Annex No 6.2
    NONO
    Resident SenderYES
    Annex No 7.1
    YES
    annex No 7.3.
    YES
    annex No 7.3.
    Non-Resident SenderYES
    Annex No 7.2
    YES
    annex No 7.4.
    NO
    Resident MerchantYES
    Annex No 8.1
    YES
    annex No 8.3.
    YES
    annex No 8.3.
    Non-Resident MerchantYES
    Annex No 8.2.
    YES
    annex No 8.4.
    NO
    Resident ProviderYES
    Annex No 9.1
    NONO
    Non-resident ProviderYES
    Annex No 9.2
    NONO
    Resident AgentYES
    Annex No 10.1
    NONO
    Non-Resident AgentYES
    Annex No 10.2.
    NONO
    Resident AdvertiserYES
    Annex No 11.1
    YES
    Annex No 11.3
    YES
    Annex No 11.3
    Non-Resident AdvertiserYES
    Annex No 11.2
    YES
    Annex No 11.4
    NO
    2.2. The Contract is concluded with the Method 2 in the following order:
    2.2.1. The Counterparty furnishes the Application as specified in corresponding Annex of these General Terms and Conditions in two copies, both signed by the Counterparty’s authorized person and sealed by the Counterparty’s seal (if any) and sends it to the Operator’s postal address specified in Clause 16.6. of these General Terms and Conditions.
    2.2.2. The Contract is deemed entered into from the date set forth in the Counterparty’s Application that the Operator’s authorized person signs in order to accept the Counterparty’s offer on entering into the Contract. The Application with the Operator’s mark of acceptance of the Counterparty’s offer specified in the Application is the only document that confirms that the Contract has been entered into. One copy of the Application with the Operator’s mark of acceptance is returned to the Counterparty and the other copy is kept by the Operator.
    2.3. The Contract can be entered into by Method 3 with the document exchange using:
    2.3.1. Merchant Account (if this is available in the Merchant Account).
    The Counterparty on the Yandex.Checkout website accepts the Merchant Account Agreement https://money.yandex.ru/doc.xml?id=523050.
    If a scanned copy of the filled-out Application signed by the Counterparty’s authorized person and sealed with the Counterparty’s seal according to the form in corresponding Annex to these General Terms and Conditions was posted on the Merchant Account, this shall be recognized as sending by the Counterparty to the Operator an irrevocable offer to enter into the Contract on the terms specified in the Application and these General Terms and Conditions.
    The Contract is deemed entered into from the date the Operator sends a notice on accepting the offer contained in the Offer Application to the e-mail address specified by the Contractor in the Merchant Account.
    2.3.2. The Application that the Counterparty sent to any of the following Operator's e-mail addresses and received the accepting from one of these addresses:
    ecommerce@yamoney.ru
    yamoney_shop@yamoney.ru
    merchants@money.yandex.ru
    nonresident@yamoney.ru
    poisk@yamoney.ru
    search_payments@yamoney.ru
    accounting@yamoney.ru
    offer_clients@yamoney.ru
    b2boffers@yamoney.ru
    in the following order:
    The Counterparty sends to one of mentioned Operator’s e-mail address a scanned copy of the filled-out Application signed by the Counterparty’s authorized person and sealed with the Counterparty’s seal according to one of the corresponding form.
    The Counterparty’s Application shall be recognized as an irrevocable offer to enter into the Contract on the terms specified in the Application and these General Terms and Conditions.
    The Contract is deemed entered into from the date the Operator sends a notice on accepting the offer from the Application to the Counterparty’s e-mail address specified in the Application.
    2.4. The Operator is entitled to decline entering into the Contract with the Counterparty without giving any reason by sending a notice to the Counterparty's e-mail address specified in the Application.
    2.5. The exchange of electronic documents in the order specified in Clauses 2.3 of these General Terms and Conditions is deemed proper observance of the simple written form of the Contract entered into in accordance with Clause 2 of Article 434 of the Civil Code of the Russian Federation.
    2.6.Entering into the Contract does not mean that it will be executed immediately. To fulfill the obligations arising from the Contract, the Counterparty must provide the technical integration with the Operator. The Operator's obligation on provision of the service under the Contract arises after entering into the Contract after the Counterparties were connected to SHC, unless otherwise specified in paragraph two hereof.
    Technical integration and connection to the Operator’s SHC is not required from
    • Agents,
    • Merchants and Providers using the E-mail protocol,
    • Advertisers using e-mail to interact with the Operator.
    2.7. Relationship between the Parties on information and technological interaction are regulated by the Information Exchange Protocol published on the Internet at the address specified table below in the column "Information Exchange Protocol", the conditions of the technical integration are specified in the column ‘Connection order’:
    CounterpartyInformation Exchange ProtocolSHC connection order
    Payment Agenthttps://tech.yandex.ru/money/doc/payment-solution/deposition/intro-docpage/The connection of the Payment Agent to SHC is performed by the Payment Agent in collaboration with the Operator.
    The Connection is confirmed with email to the addresses specified in the Contract, notice of the Payment Agent about information interaction readiness and specifying of the necessary technical information of the Parties.
    Bankhttps://tech.yandex.ru/money/doc/payment-solution/deposition/intro-docpage/The connection of the Bank to SHC is performed by the Bank in collaboration with the Operator.
    The Connection is confirmed with email that was sent by the Operator to the addresses specified in the Contract, notice of the Bank about information interaction readiness and specifying of the necessary technical information of the Parties.
    Senderhttps://tech.yandex.ru/money/doc/payment-solution/payout/intro-docpage/The method of information and technological interaction for the Deposit performing that the Sender selected is specified in the Application/the Contract.
    The connection of the Sender to SHC is performed by the Sender in collaboration with the Operator. The Connection is confirmed with email to the addresses specified in the Application/the Contract, notice of the Sender about information interaction readiness and specifying of the necessary technical information of the Parties.
    The Sender may, at discretion, use the Deposit Agent application for information and technological interaction with the Operator. The download link is provided by the Operator when the Sender was connected. Using this method of information and technological interaction when making Deposits the Sender does not have option of sending the Order for Money Transfer of the Deposit Amount to the Operator.
    If the Sender uses the Deposit Agent application, the connection to SHC is performed by the Sender in accordance with the instructions that were furnished by the Operator via email.
    MerchantHTTP protocol or
    Yandex.Checkout API or
    Email protocol (https://tech.yandex.com/money/doc/payment-solution/payment-notifications/payment-notifications-email-docpage/)
    The first-chosen method of Money Transfer Notification exchange is specified in Merchant Account or is communicated to the Operator by the Merchant via e-mail.
    The technical information that is necessary for the connection of the Merchant to SHC is provided with one of the following methods:
    • via Merchant Account,
    • to one of the email addresses specified in Clauses 2.3.2 of these General Terms and Conditions.
    The Connection is confirmed with Operator's email to the addresses specified in the Application/the Contract or via Merchant Account, notice of the Merchant about information interaction readiness.
    When choosing Email protocol, the technological integration of the Merchant with SHS does not take place. Notifications about Money transfers are sent by the Operator to the Merchant in the form specified in E-mail protocol, to the e-mail address provided by the Merchant in the technical data.
    In the event that a Third Party Merchant (CMS) is involved in order to integrate with SHS and further information and technological interaction with the Operator, the interaction between the Operator and the Merchant shall be carried out in accordance with the Information Exchange Protocol (HTTP protocol or Yandex.Checkout API) used by such third party. A list of CMSs that can be engaged for integration with SHS and information on the Information Exchange Protocols used by them is posted on the Operator's Site.
    ProviderHTTP Protocol or
    Yandex.Checkout API or
    Email Protocol
    The first-chosen method of Money Transfer Notification exchange is specified in Merchant Account or is communicated to the Operator by the Provider via e-mail.
    The technical information that is necessary for the connection of the Provider to SHC is provided with one of the following methods:
    • via Merchant Account,
    • to one of the email addresses specified in Clauses 2.3.2 of these General Terms and Conditions.
    The Connection is confirmed with Operator's email to the addresses specified in the Contract or via Merchant Account, notice of the Merchant about information interaction readiness.
    When choosing Email-protocol, the technological integration of the Merchant with SHS does not take place. Notifications about Money transfers are sent by the Operator to the Merchant in the form specified in E-mail protocol, to the e-mail address provided by the Merchant in the technical data.
    In the event that a Third Party Merchant (CMS) is involved in order to integrate with SHS and further information and technological interaction with the Operator, the interaction between the Operator and the Merchant shall be carried out in accordance with the Information Exchange Protocol (HTTP protocol or Yandex.Checkout API) used by such third party. A list of CMSs that can be engaged for integration with SHS and information on the Information Exchange Protocols used by them is posted on the Operator's Site.
    Advertiser who chooses the offer program API as a way of interacting with the OperatorOffer Program API The technical data necessary to connect the Advertiser to SHC are provided to one of the e-mail addresses specified in Clauses 2.3.2. or 16.6 hereof.
    Connection of the Advertiser to SHC is carried out jointly by the Advertiser and the Operator.
    Such connection is confirmed by sending by the Operator a notice to the Advertiser about the readiness for information interaction with indication to the e-mail address specified in the Application/Contract, with indication of the necessary technical data of the Parties.
    2.8. All the notices that were received under the Information Exchange Protocol is deemed to be received from the correspondence Party under the Contract. Each Party provide safety of its hardware, software and information systems that are involved into information and technological interaction under the Contract by his own efforts and at his own expense and each Party is responsible for the risks that are related to illegitimate access of a third party to the hardware, software and information systems.
    The Counterparty is entitled to engage third parties for providing of software and hardware integration of the Parties and information and technological interaction bearing responsibility to the Operator for their actions as his own.
    2.9. The Parties process modifications and annexes to the Contract entered into under the rules for entering into the Contract - Clause 2.1 of these General Terms and Conditions, unless otherwise is not specified in these General Terms and Conditions.
    2.10. Technical integration tools change is provided against change of technical interaction parameters information, that was received by the Operator via Merchant Account, to one of mentioned in Clauses 2.3.2 or 16.6 Operator’s e-mail address, or to Operator’s e-mail address mentioned in the Application/the Contract.
    The change is confirmed with Operator's email to the addresses specified in the Application/the Contract with a notice of the Counterparty about information interaction readiness taking into account the new technical parameters an/or the notice is located in the Merchant Profile.
    2.11. The Operator is entitled to suspend SHC operation and information technology service of the Counterparty fully or partially:
    • in case of routine maintenance (proactive measures to maintain the operating status) of SHC by the Operator - for a term of routine maintenance;
    • in case if the Counterparty breaches any of its obligations specified in the Contract or in the Russian legislation (including the case of Operator's suspicions, that the Counterparty is involved into legitimization (laundering) proceeds of crime or financing of terrorism/other illegal activities) - until such failure is completely remedied by the Counterparty or until the date of termination of the Contract inclusive;
    • in case of the circumstances beyond the Operator's control that preclude the normal work of SHC of the Operator - during the term of these circumstances.
    • in case the Operator records the fact of the Counterparty's debt to the Operator - until the Counterparty pays debt in full to the Operator.

    The Operator shall send to the Counterparty a notice about suspending of the information and technological service no later than the date of arresting. The notice shall specify the reason and the term of arresting.
    2.12. The Operator has the right before the conclusion of the Contract and at any time its validity to demand from the Counterparty the documents, specified in the Annex 3 of these General Terms and Conditions, and any explanations and any documents in order to ascertainment legality of the Counterparty's activity and fulfilling these requirements of Counterparty's activity control legislation.
    2.13. The Operator is entitled to send information on Yandex.Money service and its partners work via any contacts furnished by the Counterparty during the connection: email, telephone, mobile applications, etc.
    2.14. The Operator provides the Merchant Account in accordance with Merchant Account Agreement https://money.yandex.ru/doc.xml?id=523050 to the Provider, the Sender, the Merchant (hereinafter in this Clause referred to as the Counterparty).
    2.14.1. The Merchant Account access shall be provided to the Counterparty exclusively after its authentication, that is performed by checking authentication data (login and password) that was input. Authentication data is created by the Counterparty and they shall be recognized by the Parties as sufficient for the authentication for the Merchant Account access.
    2.14.2. All the documents/notifications/orders that were located/performed by the Counterparty in its Merchant Account shall be recognized as original, complete and equivalent to hard copies of the documents/notifications signed by the Counterparty’s authorized person and sealed to the Operator. Any actions performed with the Merchant Account using shall be recognized as the actions provided by the Counterparty.
    2.14.3. The information located on the Merchant Account is recognized as proper notification of the Counterparty about legal communication excepting the cases when the notification of the other Party in a writing form or via email is specified in these General Terms and Conditions.
    2.14.4. The Counterparty his authorization information must be kept a secret. The Operator does not bear responsibility for the Counterparty's losses (damages) and other adverse effects that arose after access to the Merchant Account of the persons who are not authorized by the Counterparty resulted from the Counterparty divulged or lost its authentication data.
    2.15. If the execution of the Contract involves the transfer to the Operator of information on the Payer or on the Client (including the IP-address, the ID in the Counterparty's system, e-mail (other address), telephone number, name, surname), that comes from the European Union (hereinafter - the Data), the Counterparty hereby guarantees and assures the Operator of the following:
    2.15.1 About proper compliance by the Counterparty with one of the following conditions:
    • the Data subject has given explicit consent to the appropriate Data transfer after he / she has been informed by the Counterparty about the possible risks of the Data transfer due to the lack of decision about compliance and adequate guarantees;
    • the transfer is necessary for the execution of the contract between the Data subject and the Counterparty or for the performance of pre-contractual conditions accepted at the request of the Data subject;
    • the transfer is necessary for conclusion of the contract or for performance of the contract concluded in the interest of the Data subject between the Counterparty and another individual or legal entity.

    2.15.2 That the Counterparty has provided and the Data subject has received the following information:
    (a) identifying information and contact information of the Counterparty and, if necessary, his representative;
    (b) contact information of the inspector for personal data protection, as appropriate;
    (c) purpose of the processing for which the Data are intended and the legal basis for the processing;
    (d) the categories of such Data;
    (e) the recipients or categories of recipients of the Data;
    (f) in appropriate cases, the intention of the Counterparty to transfer Data to the recipient in a third country or to an international organization, as well as basis for such transfer;
    (g) other information the list of which is established by the legislation applicable to Data processing (hereinafter – Applicable legislation).
    Not later than 3 (three) working days from the date of sending the request by the Operator, the Counterparty undertakes to provide a document that confirms the proper performance of the obligations provided for in subclauses 2.15.1, 2.15.2. of the General Terms and Conditions.
    2.16. The Counterparty undertakes to ensure that the Operator is properly informed about the provision of data to the latter. The specific Data list is determined by the settings of the Information Exchange Protocol.
    2.17. In the case of income from the Data subject of a notice of the revocation of his / her consent to the processing of the data provided to the Operator, the Counterparty shall notify the Operator within 1 (one) working day.
    2.18. Unless otherwise established by the Operator, the Operator does not store Data received from the Counterparty, more than 2 (two) calendar weeks.
    2.19. The Counterparty is solely responsible for the evaluation of the possibility of legitimate Data processing and protecting the rights of Data subjects.

    3. PAYMENT AGENTS. RIGHTS AND OBLIGATIONS OF THE PARTIES

    3.1. General provisions.
    3.1.1. The Payment Agent, acting as a bank paying agent, undertakes to accept cash money from individuals and at the expense of the Operator, including using payment kiosks and ATMs.
    3.1.2. The Payment Agent is entitled, in accordance with the General Terms and Conditions, to involve subagents for accepting cash from individuals, including using the payment kiosks and ATMs, bearing responsibility to the Operator for their actions as their own.
    3.1.3. The information and technological interaction of the Parties is carried out in real time mode in accordance with the Information Exchange Protocol.
    3.1.4. The Payment Agent, when concluding the Contract, provides the Operator in electronic form on the e-mail address infobanks@yamoney.ru with a list of all the places of conducting transactions of cash acceptance under the form of Annex No. 2 to the General Terms and Conditions.
    The Payment Agent undertakes to notify the Operator of all changes in the mentioned list not later than three calendar days from the date of the relevant change by sending a new list (or corresponding changes) of all places of operations in the form of Annex No. 2 to the General Terms and Conditions via e-mail to infobanks@yamoney.ru.
    3.1.5. The Operator is entitled to enter into similar contracts with other agents.
    3.1.6. Operator is entitled at any time to demand the termination of the receipt of cash from the Payment Agent and/or any subagent, attracted by him, with the simultaneous suspension of information and technological interaction under the Information Exchange Protocol.
    3.2. Order of interaction between the Parties when Payment Agent receives cash from individuals:
    3.2.1. The Payment Agent is entitled to receive cash from individuals in any way, not prohibited by law, with or without the use of payment kiosks and ATMs.
    3.2.2. When accepting cash with the use of payment kiosks and ATMs, the procedure of the cash acceptance must comply with the requirements, set out in Section 12 of the General Terms and Conditions.
    3.2.3. The Payment Agent agrees to accept cash only in the case of the indication (informing) by an individual of the information, necessary to unambiguously establishing of the Recipient of funds under the Information Exchange Protocol.
    3.2.4. The Payment Agent ensures the presence in each place of operations of the bank paying agent of the information in the amount, provided by Federal Law No. 161-FZ On the National Payment System, as well as information, provided for this purpose by the Operator.
    3.2.5. In confirmation of acceptance of funds from an individual, regardless of the method of such acceptance, the Payment Agent issues a cash receipt, which must contain information on the amount of money to be transferred to the Operator, all commissions and information, charged from an individual and provided by Federal Law No. 161-FZ On National payment system, and meet other requirements, established by federal laws.
    3.2.6. The Payment Agent shall immediately inform the Operator about the received funds in accordance with the procedure, provided in the Information Exchange Protocol.
    3.2.7. The Payment Agent shall not be entitled to return to the individual the amount of money, received from him after informing the Operator of acceptance of monetary funds in accordance with clause 3.2.6. of these General Terms and Conditions, unless otherwise is agreed by the Parties.
    3.2.8. The Payment Agent shall not be entitled to accept cash, which amount exceeds 15 000 (Fifteen thousand) rubles if under the Contract the Payment Agent is not entrusted with carrying out identification of individuals, as well as money for the Transfer, which requires the identification/simplified identification of the Payer.
    3.2.9. The Payment Agent undertakes, when carrying out of activities for cash acceptance, to credit the received funds exclusively to a special bank account(s).
    3.2.10. In case of a suspicions, that the operation is carried out for the purpose of laundering money, obtained through criminal means and financing of terrorism, the Payment Agent informs the Operator about it in writing form.
    3.3. Order and conditions for engaging subagents by the Payment Agent
    3.3.1. Engaging of subagents by the Payment Agent is allowed in case of compliance of all the requirements for such attraction, established by the Federal Law No. 161-FZ On the National Payment System and these General Terms and Conditions.
    3.3.2. The Payment Agent agrees to maintain a list of subagents, attracted by him, under the form of Annex No. 2 to these General Terms and Conditions and, in the event of any changes in the mentioned list, to send the new edition of the list to the Operator by e-mail no later than the working day, next after the day of the relevant change.
    3.3.3. The Payment Agent remuneration, paid to him by the Operator, includes the remuneration of subagents for the operations they perform. The specific rate of such remuneration of the subagents is determined by contracts, concluded between the Payment Agent and the subagents. All calculations for the payment to the subagents of the indicated remuneration are carried out by the Payment Agent on his own behalf, by his own efforts and at his own expense.
    3.3.4. The Payment Agent agrees to include the agreements with provisions, concluded with the subagents, in the contracts, ensuring the fulfillment by the Payment Agent of the obligation, specified in clause 3.7.4 of these General Terms and Conditions.
    3.3.5.The Payment Agent undertakes to monitor the compliance with the subagents of the requirements, established by the Federal Law, for their activities in the amount of not less than that is established in Clause 3.4. of these General Terms and Conditions, and no later than 3 (three) Working Days, after the day when the subagent detects violations in the specified requirements, to sent to the Operator in electronic form a notification of the revealed violations, containing a description of these detected violations.
    At the Operator’s request the Payment Agent, within a reasonable period of time, shall provide the Operator with the materials, confirming the violations of the terms of his involvement, discovered by the Payment Agent, that were admitted by the subagent.
    3.3.6. The Payment Agent shall undertake within 5 (five) Working Days from the date of receipt of the relevant Operator's request, to make a unilateral refusal from performing the contract, concluded between the Payment Agent and the subagent, and provide the Operator with evidence of a proper notification of the subagent about giving him notice of this refusal.
    The Payment Agent undertakes not later than the Working Day after the day of receiving the Operator's request, specified in the first paragraph of this sub-clause, to perform all actions, necessary to deprive the relevant sub-agent of the ability to continue operations on behalf of and at the expense of the Operator.
    3.4. Operator’s supervision over the Payment Agent’s compliance with the conditions for its involvement
    3.4.1. The Operator uses the following forms of control over the Payment Agent’s compliance with the conditions for its involvement:
    • receiving and analyzing of the Payment Agent’s reporting, provided by these General Terms and Conditions;
    • conducting of scheduled and unscheduled inspections of the Payment Agent's activities, stipulated by these General Terms and Conditions;
    • documenting of the detected violations by the Payment Agent of the conditions for its involvement and (or) legislation on combating the legalization (laundering) of proceeds, received from crime and the financing of terrorism;
    • request from the Payment Agent of explanations on the fact of violations, identified by the Operator;
    • control over the elimination by the Payment Agent of violations, identified by the Operator.

    3.4.2. Specific measures for the control purposes are determined by the Operator independently on the basis of information and documents, received from the Payment Agent in accordance with these General Terms and Conditions, as well as from other bodies and individuals, including individuals, who contributed funds to the Payment Agent or the subagent.
    The Operator does not bear the obligation to notify the Payment Agent about the planned and (or) implemented measures for the control purposes.
    3.4.3. The Payment Agent undertakes, upon receipt of the relevant Operator’s request, within the specified period to provide the Operator with explanations in writing form in hard copy on the fact of the violations, mentioned in the request, by the Payment Agent of conditions of his involvement and (or) legislation on counteracting the legalization (laundering) of proceeds, received from crime and financing of terrorism.
    3.4.4. When using the specified in clause 3.4.1. forms of control the Operator has the right to request, and the Payment Agent to provide the following documents:
    • a questionnaire according to form, established by the Operator;
    • с• information on operations, carried out by the Payment Agent on the basis of a contract, concluded with the Operator, in the form, established by the Operator, for the period of one month, preceding the inspection;
    • inquiries from banks about all open special accounts through which the Payment Agent implements the transfer of funds in favor of the Operator;
    • copies of cashier's checks, confirming the acceptance of cash resources of the Payment Agent;
    • a copy of the information message for customers, placed by the Payment Agent at the payment acceptance outlets;
    • copies of cards for KRE registration in the payment terminal, ATM, used by the Payment Agent;
    • a draft contract between the Payment Agent and the subagent (in the presence of subagents);
    • documents, confirming the conducting of the Payment Agent’s inspections of subagents;
    • list of places where transactions were performed;
    • information on the performance of activities as the Payment Agent under contracts, concluded with other money transfer Operators, if they are concluded;
    • a copy of the notification of registration in the Federal Service for Fiscal Monitoring as a payment agent, operating in accordance with Federal Law of June 3, 2009 No. 103-FZ On the activity of accepting payments from individuals, carried out by payment agents in the event of such activities;
    • other documents, allowing to establish good faith of the Payment Agent in accordance with the recommendations of the regulator.
    3.5. Payment procedure.
    3.5.1. The Payment Agent shall, within 5 (five) Working Days from the date of connection to the SHC, transfer to the Operator the Collateral in the amount, determined by the Payment Agent. In the future, the Payment Agent, in the event of such a need, replenishes the amount of Collateral at own discretion. In all cases, provided in this paragraph, the Payment Agent indicates the following purpose of payment: ‘Security deposit under contract No.[number and date of the Contract]. VAT free’.
    The amount of the Collateral balance limits the maximum amount of cash funds, accepted by the Payment Agent in accordance with the Contract. The Operator does not have rights and obligations with respect to funds, received in excess mentioned ceiling amount. All claims of individuals, related to the fact of taking such funds, are resolved by the Payment Agent independently and at their own expense.
    3.5.2. In the event of an excessive reduction in the balance of the Collateral, the fact of which is determined by the Operator individually, the Operator has the right to require the Payment Agent to suspend the receipt of funds and / or replenishment of the Collateral to its amount, independently determined by the Payment Agent upon the first payment of the Collateral.
    3.5.3. Interests on the amount of Collateral are not paid by the Operator. The unexpended balance of the Collateral shall be returned to the Payment Agent within 5 (five) Working Days from the date of termination of the Contract.
    3.5.4. The amount of funds, accepted by the Payment Agent during the Reporting Day shall be transferred by the Payment Agent to the Operator no later than the first Working day following it.
    The amounts indicated in the first paragraph of this sub-clause are transferred for each Register of accepted funds, sent by the Payment Agent to the Operator in accordance with Section 10 of these General Terms and Conditions, by a separate payment order specifying the purpose of the payment ‘Payment under the contract No. [number and date of the contract] in the Registry No. [number and date of the Register of accepted funds]. VAT free’.
    The part of the remuneration, charged by the Payment Agent from individuals, payable to the Operator in accordance with sub-clause 3.6.5. of these General Terms and Conditions , according to the results of the Reporting Month shall be transferred to the Operator by the Payment Agent within 5 (five) Working Days from the date of approval by the Operator of the Payment Agent’s Report for the relevant Reporting Month in the form of the separate payment order to the Merchant Account , specified in the Contract with indicating the purpose of the payment #8216;Transfer of part of the remuneration from users under contract No. [Number and date of the Contract] for [indication of the month and year], including 18% VAT’.
    3.5.5. In the event that the amount, specified in the first and third paragraphs of sub-clause 3.5.4. of these General Terms and Conditions, was not transferred within the period, specified by the mentioned paragraph, the Operator has the right to withhold the part of the Collateral, equal to this amount.
    3.5.6. The Payment Agent undertakes, upon receipt of the relevant request of the Operator, to immediately suspend the receipt of funds prior to the replenishment of the Collateral amount, as well as to ensure the suspense the acceptance of funds by the subagents by the specified time.
    3.5.7. The Payment Agent does not have the right to deduct any amounts, which are subject to transfer to the Operator by the Payment Agent.
    3.5.8. In the case of sending notifications to the Operator in accordance with the Information Exchange Protocol on the transfer of funds, which were not actually received by the Payment Agent, including erroneous notifications, notices, sent as a result of actions by third parties, the amount of money, indicated in such notifications is subject to transfer to the Operator regardless of the presence of the Payment Agent’s fault in sending such notifications.
    In these cases, the Payment Agent has the right to apply to the Operator with a written application about the non-recurrence / refund of the relevant amount to the Recipient, which is sent by e-mail to the address otmena-banks@money.yandex.ru. On the basis of the original of the Payment Agent’s application, received by the Operator in the form, established by the Operator, the Operator may increase the Collateral balance by the amount, specified in the application (part of the amount) if the latter was not wholly or partially used by the Client or the Operator has received the consent of the Recipient who is not the Client of the Operator.
    For the refund/non-credit of funds to the Recipient in accordance with this clause, the Operator has the right to withhold from the Payment Agent a fine of ten percent of the returned/non-credited amount.
    The Operator is not responsible for the impossibility to return the amount of money, erroneously / as a result of actions of third parties of the credited and fully or partially used by the Recipient.
    3.5.9. The amounts, specified in the sub-clauses 3.5.1. and 3.5.4. of these General Terms and Conditions must be transferred by the Payment Agent using a special bank account. The Operator has the right to refuse accepting money in case of the violation by the Payment Agent of this requirement.
    3.5.10. Payment Agent’s monetary obligations shall be deemed fulfilled upon receipt of monetary funds on Operator’s correspondent account.
    3.6. Payment Agent Remuneration
    3.6.1. Payment Agent remuneration is agreed by the Parties in the Contract and is expressed as a percentage of the amount of received funds, if the Payment Agent does not charge remuneration from individuals in his favor, or in a fixed amount for the Reporting Period, if the Payment Agent collects the remuneration from individuals in his favor. The Payment Agent remuneration includes VAT at the rate, established by the legislation of the Russian Federation. In case, when the Payment Agent is not a VAT payer, the Payment Agent remuneration is VAT free.
    3.6.2. The remuneration for the Reporting Month is paid to the Payment Agent on the basis of the agreed Report of the Payment Agent until the 20th (twentieth) day of the month, following the Reporting Month.
    3.6.3. The costs, incurred by the Payment Agent in the performance of its obligations, including the remuneration paid to the subagents by the Payment Agent on the basis of the contracts concluded between them, are not refundable by the Operator, unless otherwise is agreed by the Parties in addition.
    3.6.4. The Payment Agent has the right to collect from the individuals, which provide funds, the remuneration in his favor, provided there is an appropriate condition in the Contract.
    The maximum amount of remuneration for the Payment Agent, collected from individuals, is indicated in the Contract. The collected remuneration package for the Payment Agent and the subagent from an individual shall not exceed the maximum amount of the Payment Agent remuneration, provided in the Contract.
    In case of granting the right to the Payment Agent according to the Contract to collect the remuneration from individuals, the Payment Agent is obliged to notify the Operator about the collected remuneration, as well as about its change within the limits, established by the Contract, within 3 (three) Working days from the date of conclusion of the Contract, or corresponding changes by sending information on the rate of remuneration to the e-mail address infobanks@yamoney.ru.
    3.6.5. In cases, provided by the Contract, the Payment Agent is obliged to pay the part of the remuneration, specified in sub-clause 3.6.4. of these General Terms and Conditions, to the Operator.
    3.7. Payment Agent Report
    3.7.1. Not later than the 5th (fifth) day of the month, following the Reporting Month, the Payment Agent shall provide the Operator with the Payment Agent Report on the e-mail address finance.moscow@yamoney.ru.
    The Payment Agent report in hard copy and (if the Payment Agent is a VAT payer) the invoice is provided to the Operator not later than the 10th (tenth) day of the calendar month, following the Reporting Month.
    3.7.2. Within 10 (ten) calendar days from the date of receipt of the Payment Agent report on hard copy, the Operator shall approve the Payment Agent report by signing it or in the same period he shall send the Payment Agent a written reasoned refusal to accept the Payment Agent services (refusal from signing the Report).
    3.7.3. If the Parties have the certificates of digital signature keys, issued by one or several accredited certification authorities and allowing Parties to conduct electronic interaction, the Parties agree on the Payment Agent Report by exchanging documents, signed by a qualified digital signature within the time limits, specified in sub-clauses 3.7.1 to 3.7.2. of these General Terms and Conditions. The exchange of the Payment Agent Reports in hard copy is not required in this case.
    3.7.4. The Payment Agent report shall include information on all transactions, carried out by subagents for the relevant Reporting Period.

    4. BANK. RIGHTS AND OBLIGATIONS OF THE PARTIES

    4.1. General provisions.
    4.1.1. The Bank undertakes to provide the Operator with information technology services, including the collection, processing and transfer of Notifications and Orders for Money Transfers when making money transfers from the Payers in favor of the Operator, Merchants, Providers, their clients or customers of credit organizations – the Provider’s partners.
    4.1.2. The Bank undertakes to send the Money Transfer Notification and the Order for Money Transfer (if applicable) to the Operator in real time according to the Information Exchange Protocol.
    4.1.3. In order to comply with currency control requirements, the Resident Bank guarantees to the Operator the acceptance of Orders for Money Transfer only in the territory of the Russian Federation, and the Non-resident Bank exclusively outside the Russian Federation. In case of violation of this requirement, the Operator has the right to demand payment of a fine of 10 000 (ten thousand) rubles for each violation.
    4.1.4. The Operator has the right to require from the Bank to provide the list in the form, specified by the Operator, of the places of execution of operations for receiving Money Transfers / Orders for Money transfer. The Bank undertakes to provide the specified list within five working days from the receipt of the relevant request.
    4.1.5. The Bank undertakes when accepting Orders for Money Transfers in favor of the Merchants, Providers and Provider customers, until the Payer submits the appropriate order in cases, specified by the Operator, to bring to the Payer’s attention the Terms and Conditions for Transferring Money without Opening an Account using the Quick Payment via Yandex.Money service by providing at the transfers receiving place (office, interface of the terminal, the interface of on-line programs, etc.) the possibility of acquaintance with the indicated terms and conditions, placed on the page: https://money.yandex.ru/page?id=526623, as well as transfer information to the Operator in the Information Exchange Protocol on the fulfillment of this requirement.
    4.2. Bank remuneration and settlement procedure.
    4.2.1. The Operator undertakes to pay the Bank a remuneration for the rendered services in the amount, agreed by the Parties in the Contract. The Bank remuneration is not subject to VAT in accordance with sub-clause 4 of Cause 3 of Article 149 of the Tax Code of the Russian Federation. Taxation of the remuneration of the Non-Resident Bank on the territory of the country of its establishment is carried out in accordance with the personal law of the Non-Resident Bank. Remuneration of the Non-Resident Bank includes all taxes and fees, specified by the legislation of the country of its establishment, and which are calculated and paid by the Non-Resident Bank independently.
    4.2.2. The Operator shall transfer the remuneration for the Reporting Month to the Bank on the basis of the Certificate of Services Rendered by the Parties not later than the 20th (twentieth) day of the month, following the Reporting Month.
    4.2.3. The Bank is entitled to collect the remuneration from the Payers in its favor, provided there is an appropriate provision in the Contract.
    In case of granting the right to the Bank according to the Contract to collect the remuneration from the Payer, the Bank is obliged to notify the Operator about the collected remuneration, as well as about its change within the limits, established by the Contract, within 3 (three) Working days from the date of conclusion of the Contract, or corresponding changes by sending information on the rate of remuneration to the e-mail address infobanks@yamoney.ru.
    The Bank undertakes to pay the part of the remuneration, specified in this clause, in the amount, determined in the Contract, to the Operator.
    As a result of the Reporting Month, the part of the remuneration, specified in this clause, is transferred by the Bank to the Operator within 5 (five) Working days from the date of approval by the Operator of the Certificate of Services Rendered for the corresponding reporting month by a separate payment order to the bank account specified in the Contract with indicating the purpose of the payment Transfer of part of the remuneration from users under contract No. [number and date of the Contract] for [indication of the month and year], including 18% VAT.
    4.2.4. Amounts of Money Transfers, subject to transfer by the Bank to the Operator, shall be transferred no later than the Working Day following the day when the Bank sends the Money Transfer Notification to the Operator, with the purpose of payment Transfer of funds under Contract No. number and date of the Contract in Registry No. number and date of the Transfers Registry. VAT free.
    4.2.5. ВIn the case of notification to the Operator in accordance with the Information Exchange Protocol on the deposits of funds, which were not actually received by the Bank, including erroneous notifications, notices, sent as a result of actions of third parties, the amount of money, indicated in such notifications, is subject to transfer to the Operator regardless of the Bank's fault in sending such notices.
    In these cases, the Bank has the right to apply to the Operator with a written application about the non-recurrence / refund of the relevant amount to the Recipient, which is sent by e-mail to the address otmena-banks@money.yandex.ru. On the basis of the original of the Bank’s application, received by the Operator in the form, established by the Operator, the Operator returns to the Bank the amount of money (its part), if the latter was not fully or partially used by the Client, or the Receiver's consent was received by the Operator.
    For the refund/non-credit of funds to the Recipient in accordance with this clause, the Operator has the right to withhold from the Bank a fine of ten percent of the returned/non-credited amount.
    The Operator is not responsible for the impossibility to return the amount of money, erroneously / as a result of actions of third parties of the credited and fully or partially used by the Recipient.
    4.2.6. The Non-Resident Bank shall, within 5 (five) Working Days from the date of connection to the SHC, transfer to the Operator the Collateral in the amount, determined by the Non-Resident Bank, in rubles of the Russian Federation. In the future, the Non-Resident Bank, in the event of such a need, replenishes the amount of Collateral at own discretion. In all cases, provided in this paragraph, the Non-Resident Bank indicates the following purpose of payment: ‘Security deposit under Contract No.[number and date of the Contract]. VAT free’.
    The amount of the Collateral balance limits the maximum amount of Money Transfer Notifications, accepted by the Non-Resident Bank under the Contract. The Operator does not have rights and obligations with respect to funds, received in excess mentioned ceiling amount. All Payers’ claims, related to the fact of taking such funds, are resolved by the Non-Resident Bank independently and at their own expense.
    In the event of an excessive reduction in the balance of the Collateral, the fact of which is determined by the Operator individually, the Operator has the right to require from the Non-Resident Bank to suspend the receipt of Money Transfers and / or replenishment of the Collateral to its amount, independently determined by the Non-Resident Bank upon the first payment of the Collateral.
    Interests on the amount of Collateral are not paid by the Operator. The unexpended balance of the Collateral shall be returned to the Non-Resident Bank within 5 (five) Working Days from the date of termination of the Contract.
    In the event that the amount, specified in the sub-clause 4.2.4. of these General Terms and Conditions, was not transferred within the period, specified by the mentioned sub-clause, the Operator has the right to withhold the part of the Collateral, equal to this amount, notifying the Non-Resident Bank by e-mail about the amount of the retention being made and the balance of the Collateral on the basis of the withholding.
    The amount of Collateral, remaining after settlements under the Contract is returned by the Operator to the Non-Resident Bank within 10 (ten) Working days from the date of termination of the Contract or the expiry of its validity.
    The requirements for the use of Collateral, specified in this clause, may be applied to Resident Banks, if this is provided for by the Contract between the Parties.
    4.2.7. Settlements under the Contract are made in rubles of the Russian Federation.
    4.2.8. Bank’s monetary obligations shall be deemed fulfilled upon receipt of monetary funds on Operator’s correspondent account.
    4.3. Procedure for accepting services rendered by the Bank.
    4.3.1. Monthly within 5 (Five) Working Days from the end of the Reporting month, the Bank forms and sends to the Operator the draft of the Certificate of Services Rendered for preliminary approval to the e-mail address daygate@yamoney.ru.
    4.3.2. Within 5 (five) days from the date of receipt of the draft Certificate of Services Rendered, the Operator must approve it and send it to the Bank by e-mail to the address, specified in the Contract, or send his objections in the same order.
    4.3.3. Within 3 (three) Working Days from the date of receipt from the Operator of the agreed Certificate of Services Rendered, the Bank signs and sends two copies of the agreed Certificate of Services Rendered to the Operator.
    4.3.4. Within 3 (three) Working Days from the date of receipt from the Bank of the signed Certificate of Services Rendered in hard copy, the Operator must send one copy of the signed for its part Certificate of Services Rendered to the Bank.
    4.3.5. If the Parties have the certificates of digital signature keys, issued by one or several accredited certification authorities and allowing Parties to conduct electronic interaction, the Parties agree on the Certificates of Services Rendered by exchanging documents, signed by a qualified digital signature within the time limits, specified in sub-clauses 4.3.1 to 4.3.4. of these General Terms and Conditions. The exchange of the Certificates of Services Rendered in hard copy is not required in this case.

    5. SENDER. RIGHTS AND RESPONSIBILITIES OF THE PARTIES

    5.1. General.
    5.1.1. The Operator undertakes to provide information and technological services to the Sender for remuneration. The services provided include collection, processing and transfer of information about the Deposits made by the Operator.
    5.1.2. The Operator undertakes to process Sender's requests for the Deposits approval in accordance with the procedure established by the Information Exchange Protocol. If the processing is successful, the Deposit can be done in real-time.
    The amount contained in Sender's Deposit request and credited to the Client shall be specified in Russian Federation Rubles.
    5.1.3. The Operator has the right to decline the Deposit if the amount of the Deposit exceeds the Collateral Balance or a technical threshold set for the sender upon entering into the contract, or if the Deposit entails a violation of the requirements of the legislation of the Russian Federation, Regulations of the Bank of Russia or the terms of the contract concluded between the Operator and the Client.
    5.1.4. The Sender is obliged to independently resolve with the Clients and tax authorities all the issues related to the payment of taxes that must be paid by the Client.
    5.1.5. The Sender shall bear all risks arising from the transfer of erroneous information sent by the Sender in the manner established by the Information Exchange Protocol, including the information about the Client and the Deposit amount.
    5.2. Cooperation of the Parties when the Client sends the Order for Money Transfer of the Deposit Amount.
    5.2.1. The Sender at its own discretion shall provide the opportunity for Client to send an Order for Money Transfer of the Deposit Amount using the official site of the Sender indicated in the Contract or the Application for further transfer of the Deposit amount for one, several or all of the following purposes:
    (a) payment for the services of radiotelephone mobile communications provided by the following Operators: PJSC MTS, PJSC VimpelCom (Beeline), PJSC MegaFon, Tele2, LLC Scartel (Yota), OJSC SMARTS, TG MOTIV;
    (b) transfer to the Client’s bank account (citizen of the Russian Federation), opened in a credit organization registered and acting in accordance with the legislation of the Russian Federation;
    (c) transfer to the Client’s bank account (citizen of the Russian Federation) opened for transactions using bank cards of international payment systems.
    5.2.2. In order to fulfill the obligation provided for in paragraph 5.2.1. herein, the Sender post the following information on its official website:
    (a) A link to Operator's official site: https://money.yandex.ru/pay/doc.xml?offerid=default and containing the Operator's offer for citizens of the Russian Federation. The linked page of the Sender's website must contain a checkbox used for the acceptance of the Operator's offer by individual;
    (b) A form for the information that Client shall specify when sending an Order for Money Transfer of the Deposit Amount specified in sub-paragraphs 5.2.1. (b), (c) of these General Terms and Conditions, which must include the surname, name, patronymic (if any), series and number of the Payer's ID.
    5.2.3. To send the Order for Money Transfer of the Deposit Amount, the Client must accept Operator's offer and fill the information form (in case of sending the Orders indicated in sub-paragraphs 5.2.1. (b), (c) of these General Terms and Conditions). The Sender guarantees the observance of these terms when sending the Order for Money Transfer of the Deposit Amount to the Operator.
    5.2.4. Orders for Money Transfer of the Deposit Amount are sent by the Sender to the Operator as it is established by the Information Exchange Protocol. The information on the acceptance of Operator's offer by the Customer and the information about the Client specified in sub-clause 5.2.2. (b) of these General Terms and Conditions, in the event of transfer of Orders specified in sub-paragraphs 5.2.1. (b), (c) of these General Terms and Conditions, is sent at the same time.
    5.2.5. If the Order for Money Transfer of the Deposit Amount can not be executed by the Operator due to the absence of the details or their incorrectness or other circumstances beyond Operator's control, the Operator shall return the Deposit amount to the Sender on its Collateral balance.
    5.3. Payment terms and remuneration of the Operator.
    5.3.1. To secure the performance of obligations, the Sender shall within 5 (five) Business Days from the date of receipt of notification of readiness for information interaction from the Operator transfer the Collateral to the Operator in the amount determined by the Sender. Further, the Sender transfers the additional amount of the Collateral at its own discretion if necessary.
    5.3.2. The transfer of the Collateral amount is carried out by a payment order to the account specified in the Application or Contract and opened by the Operator for Collateral transfers. The following statement is specified as the purpose of the payment: ‘Collateral amount under the contract Contract Number and Date. Excluding VAT’.
    5.3.3. The Collateral amount is transferred by the Sender-resident in Russian Rubles.
    The Collateral amount may be transferred by the non-resident Sender in Russian Federation Rubles or in foreign currency. The currency of non-resident Sender obligation used for Collateral amount transfer is indicated in the Contract or the Application.
    5.3.4. If the Sender's uses foreign currency to transfer the Collateral amount, the further settlement under the Contract shall be calculated for by the Operator in Russian Rubles using the reduced by 2% (two percent) rate of the obligation Currency to the Russian Federation Ruble established by the Bank of Russia on the date of receipt of the Collateral amount to the correspondent account of the Operator.
    5.3.5. The Collateral amount remained after settlement under the Contract shall be returned by the Operator to the Sender within 10 (ten) business days from the date of termination of the Contract or its expiration.
    If the Sender's uses foreign currency to transfer the Collateral amount, the Collateral amount shall be paid by the Operator in the following order: the Collateral amount in Russian Federation Rubles shall be recalculated into the obligation Currency at the rate of this currency to the Russian Federation Ruble established by the Bank Russia on the date of the Collateral amount refund and increased by 2% (two percent), and is transferred in the obligation Currency to the bank account of the Sender.
    5.3.6. Each Deposit Amount, information about which is sent in accordance with the Information Exchange Protocol, is withheld by the Operator from the Collateral amount at the time of Deposit transfer.
    5.3.7. The Sender undertakes to pay the Operator a fee for the services in the amount agreed by the Parties in the Contract or the Application. The Operator's remuneration is not subject to VAT in accordance with sub-paragraph 4 of paragraph 3 of Article 149 of the Tax Code of the Russian Federation.
    The Operator's remuneration is withheld from the Collateral amount no later than the day of the Deposit. If the Collateral amount is not enough to retain the remuneration in full, the Sender shall transfer the missing amount to the Operator within 3 (three) Business Days from the date of receipt of the relevant Operator’s request sent to the e-mail address of the Sender specified in the Contract or Application.
    5.3.8. When the Operator returns the amount of Deposit in the order described in paragraph 5.2.5. of these General Terms and Conditions, Operator's remuneration is not charged. If the Deposit amount is returned after the Operator retained the remuneration, the Operator returns the amount of such remuneration to the Sender by increasing its Collateral balance by the remuneration amount.
    5.3.9. Sender’s monetary obligations shall be deemed fulfilled upon receipt of monetary funds on Operator’s correspondent account.
    5.4. The order of acceptance of services rendered by the Operator.
    5.4.1. Within 5 (five) days after the end of the Reporting Month, the Operator sends to the Sender the Certificate of Services Rendered in the Reporting Month via e-mail to the address specified in the Application or the Contract. The Operator may also post the Certificate of Services Rendered in the Merchant Account within 10 (ten) days from the end of the Reporting Month.
    5.4.2. Within 5 (five) days from the date of receipt of the Act on the services rendered, the Sender is obliged to approve it and send it to the Operator via e-mail to daygate@yamoney.ru or send its objections to the same address.
    5.4.3. Within 3 (three) Business Days from the date of receipt from the Sender of the approved Certificate of Services Rendered, the Operator signs and sends to the Sender two copies of the approved Certificate of Services Rendered.
    5.4.4. Within 3 (three) Business Days from the date of receipt from the Operator of the signed Certificate of Services Rendered in hard copy, the Sender shall send to the Operator one copy of the signed Certificate of Services Rendered.
    If the Sender fails to send the signed Certificate of Services or written motivated refusal from signing it within the specified period, the corresponding services are considered to be rendered by the Operator in full and properly.
    5.4.5. If the Parties have keys certificates of electronic signature verification issued by one or several accredited certification authorities and allowing Parties to conduct electronic interaction, the Parties agree on the Certificates of Services Rendered by sending the documents signed by a qualified electronic signature within the time limits specified in sub-paragraphs 5.4.1 to 5.4.4 of these General Terms and Conditions. Exchange of Certificate of Services Rendered in hard copy is not required in this case.

    6. PROVIDER. RIGHTS AND OBLIGATIONS OF THE PARTIES

    6.1. General provisions.
    6.1.1. The Operator undertakes to provide information and technological services to the Merchant for remuneration. The services include collection, processing and transfer of information on the Money Transfers to the Merchant.
    6.1.2. The Operator undertakes to forward the Money Transfer Notification to the Merchant in real time in favor of the Merchant in accordance with the Information Exchange Protocol.
    6.1.3. The Merchant undertakes to acknowledge the monetary obligations of Payers to the Merchant executed from the moment when the Operator sends the Money Transfer Notification to the Merchant.
    6.1.4. The Merchant undertakes to independently resolve any Claims of the Payers, except for claims related to Invalid or Fraudulent Transactions. If the consideration of such claim resulted in the refund of the amounts of Money Transfers received, the Merchant shall use the refund method provided by the Contract.
    6.1.5. The methods of payment of Money Transfers by the Payers to the Merchant are indicated in the Table of Payment Methods in Annex No. 4 to these General Terms and Conditions.
    The Operator has the right to terminate the Transfers in favor of the Merchant in any of the ways indicated in the Table of Payment Methods by sending a notice to the Merchant via e-mail no later than the day of such termination.
    The approval of the use of new payment methods is carried out by the Parties in one of the following ways:
    (a) By the Operator sending an offer with a proposal to connect a new payment method and an indication of the amount of the Operator’s remuneration to any of the Counterparty’s e-mail addresses; the Merchant’s actions for the transfer of information in accordance with the Information Exchange Protocol with the use of the payment method indicated in the offer shall be deemed to be the Merchants’s acceptance and the modification of the Contract regarding the addition of a new payment method; the conclusion of an additional agreement on paper is not required in this case;
    (b) Through the conclusion of an additional agreement to the Contract on paper, signed by authorized representatives of the Parties;
    (c) By exchanging scanned copies of the additional agreement to the Contract, signed by authorized representatives of the Parties, using the e-mail addresses specified in Sub-Clauses 2.3.2, 16.6 hereof, as well as contained in the Contract/Application.
    The availability of any payment methods may be limited, depending on the Information Exchange Protocol used by the Merchants.
    6.1.6. The Merchant undertakes to notify the Operator of the changes planned in the List of Product Sold not later than 5 (five) Working Days before the changes are adopted. Such notification is necessary if the change requires changes in the MCC code related to cards receiving or entails the need for the Merchant to obtain a special permit for the sale of the Product.
    6.1.7. The Merchant shall not sell the Product prohibited for sale in accordance with the legislation of the place of its location and the legislation of the Russian Federation, as well as Product prohibited for sale through the Internet in accordance with the rules of the IPS.
    6.1.8. During the execution of the Contract, the Merchant shall be entitled to assign the right to a third party to perform technical interaction with the Operator on behalf of the Merchant, including the transfer of orders for the Payment Refund and the receipt of information on Money Transfers under the Contract.
    The types of operations, information about which is sent/received by a third party on behalf of the Merchant, are determined solely by the Merchant and are sent to the Operator in the order form specified by the Operator in the manner provided for in paragraph 2.10. of these General Terms and Conditions.
    The Merchant may at any time to stop the mediation of a third party by sending the Operator a notice in the form specified by the Operator in the manner provided for in paragraph 2.10. of these General Terms and Conditions.
    6.1.9. If the Merchant uses Yandex.Checkout API as Information Exchange Protocol, the "Deferred payment" function becomes available to him.
    If the Merchant uses the HTTP protocol as Information Exchange Protocol, the "Deferred payment" function may be activated for the Merchant as per the procedure established in Clause 2.10 of the General Terms and Conditions. The activation of this function is not the Operator’s obligations, but the Operator’s right. The Operator is not responsible to the Merchant for a refusal to activate the "Deferred payment" function. The Operator has the right to deactivate the "Deferred payment" function at any time without explanation, by sending a notice to the Merchant via e-mail no later than the day of deactivation.
    The "Deferred payment" function enables to postpone at the time of the Payer ordering of the Goods his payment for a period of up to 7 (seven) days, during which the sum equal to the value of the Goods will be blocked on the Payer's Card. The use of this function is initiated by the Merchant.
    Within the "Deferred payment" function when the Payer makes a transaction using the Card for payment for the Goods, the Operator notifies the Merchant in accordance with the procedure established by Yandex.Checkout API (if the Merchant uses Yandex.Checkout API) or MWS (if the Merchant uses the HTTP protocol) about the conduction of such operation. After Operator’s sending of the notification to the Merchant, the sum equal to the value of the Goods is blocked on the Payer's Card for a period of up to 7 (seven) days.
    The Merchant shall have the right to confirm receipt of the Money transfer within 7 (seven) days from the date of receipt of the notification from the Operator or refuse to receive the Money transfer according to the procedure established by Yandex.Checkout API/MWS.
    Upon Merchant’s confirmation of the receipt of the Money transfer, the Operator shall in real time send the Notification about Money Transfer to the Merchant in accordance with the procedure established by Yandex.Checkout API/MWS and inform the Acquirer of the need to write off the funds from the Payer's Card. If the Merchant refuses to receive the Money transfer or his not sending of any notice within 7 days, stipulated in the third paragraph of this Sub-Clause 6.1.9, the Operator shall inform the Acquirer of the need to release money on the Card.
    The Operator may cancel the pending Money Transfer at any time prior to the confirmation of receiving the transfer by the Merchant. In this case, the Operator sends to the Acquirer a message on the need to unblock the money on the Card and notifies the Merchant on Payment Cancellation by means of the Information Exchange Protocol, e-mail or other means established by General Terms and Conditions for the information exchange of the Parties within 3 (three) days.
    The Operator's duty to transfer the Money transfer amount arises from the date when the Operator sends the Notification about Money transfer in accordance with Yandex.Checkout API/MWS and is executed within the timeframes specified in paragraph 6.2. of the Terms and Conditions.
    6.2. Payment terms and remuneration of the Operator.
    6.2.1. The Merchant undertakes to pay remuneration to the Operator for the Services Rendered in the amount agreed by the Parties in the Contract or the Application. The amount of the Operator's remuneration for the Reporting Month is calculated on the basis of the Certificate of Services Rendered as a percentage of the amount of each Money Transfer notified to the Merchant for the Reporting Month.
    The Operator's remuneration is not subject to VAT in accordance with sub-paragraph 4 of paragraph 3 of Article 149 of the Tax Code of the Russian Federation.
    6.2.2. The remuneration is withheld by the Operator from the amounts to be transferred by the Operator to the Merchant.
    6.2.3. The Merchant shall not have the right to collect remuneration from the Payers or impose any additional costs on them related to their transfers using the Operator, unless otherwise is agreed with the Operator.
    6.2.4. Any costs incurred by the Operator during the performance of its obligations under the Contract are added to the amount of the Operator's remuneration and are not subject to additional compensation by the Merchant, unless such compensation is agreed in a separate agreement between the Parties.
    6.2.5. The Money Transfer Amounts shall be transferred to the resident Merchant in the Russian Federation Rubles, net of any withholdings that the Operator is entitled to do in accordance with these General Terms and Conditions, no later than 2 (second) Business Day from the day when the Operator sends the Money Transfer Notification to the Merchant.
    The amount transferred by the Operator is indicated in the Money Transfer Notification in Russian Federation Rubles.
    6.2.6. Money Transfer Amounts shall be transferred to the non-resident Merchant using one of the following ways:
    (a) If the Currency of the Product and the Currency of the Operator's obligation that must be transferred to the Merchant are rubles of the Russian Federation, the Transfer amount is transferred to the Merchant, net of any withholdings that the Operator is entitled to do in accordance with these General Terms and Conditions, in the Russian Federation Rubles no later than in 2 (second) day from the date of sending of the Money Transfer Notification by the Operator.
    The amount transferred by the Operator is indicated in the Money Transfer Notification in Russian Federation Rubles.
    (b) If the Currency of the Product is the Russian ruble, and the Currency of the Operator's obligation that must be transferred to the Merchant is a foreign currency, the Transfer amount shall be transferred to the Merchant within 40 (forty) days from the date of sending of Transfer Notice to the Merchant if the period specified in the next paragraph will not occur earlier.
    The Operator transfers the Money Transfers to the Merchant within 10 (ten) days when the Transfer Amount reaches the following values:
    •1,800 (one thousand eight hundred) USD / Euro / CNY, if the Currency Operator's obligation to transfer the Transfer Amounts to the Merchant is in US dollars / Euro, respectively. For calculating the threshold value specified in this paragraph, the US dollar / Euro exchange rate of the Russian Federation established by the Bank of Russia and increased by two percent is applied.
    •1,000 (one thousand) Russian Federation Rubles, if the Currency Operator's obligation to transfer the Transfer Amounts to the Merchant is in a foreign currency other than USD, Euros, or CNY.
    The Money Transfer Amounts are transferred to the Merchant net of any withholdings that Operator has the right to do in accordance with these General Terms and Conditions, in the Operator's currency for obligations of Transferring to the Merchant at the rate of this currency to the Russian Federation Ruble established by the Bank of Russia on the date of transfer and increased by two percent.
    The amount transferred by the Operator is indicated in the Money Transfer Notification in Russian Federation Rubles.
    (c) If the Currency of the Product is a foreign currency, the Transfer amount shall be transferred to the Merchant within 40 (forty) days from the date of sending the Money Transfer Notification to the Merchant if the period specified in the next paragraph does not come earlier.
    The Operator transfers the Money Transfers to the Merchant within 10 (ten) days when the Transfer Amount reaches the following values:
    •1,800 (one thousand eight hundred) USD/Euro/CNY, is the Currency of the Product is USD/Euro/CNY, respectively.
    •1,000 (one thousand) Russian Federation Rubles, is the Currency of the Product is a foreign currency other than USD, Euro, or CNY. For calculating the threshold value specified in this paragraph, the US dollar / Euro exchange rate of the Russian Federation established by the Bank of Russia and increased by five percent is applied.
    The Money Transfer Amounts are transferred to the Merchant in the Currency of the Product net of any withholdings calculated in the Product Currency that the Operator is entitled to do in accordance with these General Terms and Conditions.
    In this case, the Operator transmits to the Merchant the Money Transfer Notifications containing the amount of each Transfer in Russian Federation Rubles, as well as in the Currency of the Product at the exchange rate of that currency to the Russian Federation Ruble increased by five percent, as determined by the Bank of Russia on the date of sending of Transfer Notification to the Merchant.
    6.2.7. At the conclusion of the Contract with the non-resident Merchant, the Currency of the Product and the Currency of the Operator's obligation to transfer the Transfer Amounts shall be indicated in the Application or the Contract.
    6.2.8. Operator’s monetary obligations shall be deemed fulfilled upon writing-off the amount due from a Operator’s correspondent account.
    6.3. The order of acceptance of services rendered by the Operator.
    6.3.1. The acceptance of the Services Rendered by the Operator is formed by the Certificate of Services Rendered.
    6.3.2. Within 5 (five) days after the end of the Reporting Month, the Operator shall send to the Merchant an Certificate of Services Rendered for the Reporting Month via e-mail to the address specified in the Application or the Contract. If the Merchant has a Merchant Profile, the Operator also places the Certificate of Services in the Merchant Account within 10 (ten) days from the end of the Reporting Month. In the event that the Operator has not executed any Money Transfer orders in favor of the Merchant in the Reporting Month, the Operator has the right not to execute the Certificate of Services Rendered.
    6.3.3. If the Merchant has objections to the Certificate of Services Rendered, he shall not later than on the 15th (fifteenth) day of the month following the Reporting month send such objections to the Operator via e-mail to the address shoppay@yamoney.ru. If the Operator does not receive any objections from the Merchant within the specified period, the relevant Operator’s services are considered to be rendered in full and properly.
    6.3.4. In the event that the Merchant's objections related to the amounts contained in the Services Act are found to be justified, the Operator undertakes to send the Merchant's remarks to the Merchant at the address specified in the Application or the Contract within 3 (three) Business Days after the Operator receives the objections , The specified Act on rendered services. Objections to the updated Act on services rendered by the Merchant may be announced not later than the first Business Day following the day of its receipt, otherwise the specified Act on services rendered is deemed to be accepted by the Merchant without remarks, and the corresponding services of the Operator are rendered in full and properly.
    6.3.5. If the Merchant has the need to sign the Certificate of Services Rendered in writing on paper, the Merchant shall, after the Certificate of Services Rendered is agreed, send two copies of the Certificate of Services Rendered signed by the Operator to the Operator. In this case, the Operator undertakes to sign both copies and send one copy of the Certificate to the Merchant within 3 (three) Business Days from the date of receipt of the Certificate of Services Rendered in hard copy from the Merchant.
    6.3.6. The Operator has the right not to execute the Certificate of Services Rendered, if the Operator did not execute any Transfer orders in favor of the Merchant during the Reporting Month.
    6.3.7. If the Parties have keys certificates of electronic signature verification issued by one or several accredited certification authorities and allowing Parties to conduct electronic interaction, the Parties agree on the Certificates of Services Rendered by sending the documents signed by a qualified electronic signature within the time limits specified in subparagraphs 6.3.2. to 6.3.4. of these General Terms and Conditions. Exchange of Certificate of Services Rendered in hard copy is not required in this case.
    6.3.8. If it is necessary to re-submit the Certificates of Services Rendered in hard copy, and such necessity is caused by the circumstances for which the Operator is not liable, the Merchant pays remuneration of 100 (one hundred) rubles per 1 document, including VAT.
    6.4. Payment Refund and Cancellation Order.
    6.4.1. The transfer of orders for the Payment Refund or Cancellation in real time is possible:
    • via MWS/Yandex.Checkout API in the event of the implementation of MWS/Yandex.Checkout API by the Merchant;
    • via the Merchant Profile;
    • by other means agreed by the Parties.

    6.4.2. The Merchant who implemented MWS and notified the Operator via e-mail about its readiness to use it or using Yandex.Checkout API as Information Exchange Protocol has the right to initiate a Refund or Cancellation of Payments that are carried out pursuant to the order of the Merchant executed in accordance with MWS/Yandex.Checkout API and signed by an electronic signature in accordance with the Electronic Documents Flow Agreement.
    6.4.3. Refund or Cancellation via the Merchant Account is carried out in accordance with the functions of the Merchant Profile. Orders for Refund or Cancellation submitted through the Merchant Profile, which is logged in with the correct Merchant authorization data, are equal to the order of the Merchant signed by his own hand.
    6.4.4. The Payment Refund shall not entail the Operator's obligation to refund to the Merchant the amount of remuneration received for notifying the Merchant of this Payment.
    The Merchant may send to the Operator several Refund orders on parts of the same Transfer Amount if their total amount does not exceed the amount of this Transfer.
    The Operator deducts the amount of money transferred to the Transfer Payers from the amount of Transfers to be transferred by the Operator to the Merchant. In the event that the amount of such Transfers is insufficient for the full withheld, the Merchant shall transfer to the Operator the rest of the amount within 3 (three) Business Days from the date of receipt of relevant Operator's request sent via e-mail or in hard copy.
    6.4.5. The Payment Cancellation is carried out on the basis of Merchant’s order sent to the Operator before the transfer of the relevant Transfer Amount to the Counterparty.
    When the Merchant forwards the order for the Cancellation of the Money Transfer by means of MWS, the Operator's Remuneration for canceled Money transfers is not detained. In this case, the canceled Money transfers are not considered to be committed by the Operator and are not included in the Register of Money Transfers and the Act of Services Rendered.
    In the event the Merchant forwards the order for the Cancellation of the Money transfer by means of Yandex.Checkout API, the Operator's Remuneration for canceled Money transfers shall be detained on general terms, and the canceled Money transfers shall be included in the Register of Money transfers and the Act of services rendered.
    6.4.6. The Resident Merchant who has not implemented MWS/Yandex.Checkout API Protocol and does not have the Merchant Account and has not agreed with the Operator in any other method has the right to make a Payment Refund by transferring to the Operator a payment order of the Transfer Amount (or its part) to the Operator account intended for refunds. When transferring the Payment Refund, the Merchant shall indicate: ‘Refund of funds under the contract [Contract number and date] for transfer No. [transfer number] of the user No. [number assigned to the Payer by the Operator], excluding VAT’ in the ‘Payment Purpose’ field.
    Refund of the Transfer in accordance with this subparagraph shall not entail the Operator's obligation to return the amount of remuneration received for notifying the Merchant of this Transfer to the Merchant.
    6.4.7. In all other cases, if the payment refund is at the Merchant's initiative, such a refund is made by the Merchant without the Operator's participation.
    6.4.8. The possibility of the Payment Refund or the Payment Cancellation on the initiative of the Merchant depends on the Transfer method and is indicated in the Table of Payment Methods.
    6.4.9. The Operator is entitled to not perform the Money Transfer in favour of the Merchant and may deduct the amounts that were already transfered by the Operator from the amounts that should be transfered to the Merchant in the following cases:
    • the Transfer is a Fraudulent or Invalid Operation
    • the Client’s requests to the Operator of the refund of the Products cost (and of the delivery cost, if it is included in the Money Transfer) paid using the Wallet within the Buyer Protection Service.

    In a similar manner, the Operator has the right to withhold/require the transfer of any amounts of expenses incurred by in connection with the recognition of transactions as Fraudulent/Invalid.
    In a similar manner, the Operator has the right to withhold/require the transfer of any amounts of expenses incurred by in connection with the recognition of transactions as Fraudulent/Invalid.
    The Operator has the right to demand from the Merchant the refund of the amounts of Transfers recognized Fraudulent/Invalid during the term of the Contract, and within 180 days from the date of termination.
    The Operator has the right to demand from the Merchant the Money Transfer refund under the Buyer Protection Service.
    If, based on the results of consideration of the Client's application filed under the Buyer Protection Service, the Operator decides in favor of the Merchant, the Money Transfer withheld by the Operator / transferred by the Merchant in accordance with the first paragraph of this sub-clause 6.4.9 shall be transferred by the Operator in favor of the Merchant.
    The Operator's remuneration on the Transfers returned to the Payers in accordance with this sub-clause 6.4.9 herein is charged by the Operator and shall not be returned to the Merchant.
    6.5. Special aspects of operations with Сards.
    6.5.1. Settlements for transactions made using the Cards in favor of the Merchants are carried out on the basis of contracts concluded by the Operator with the Acquirers and Merchants. The role of the Operator in such relationships is qualified as the role of facilitator/aggregator in the sense given to this term in the rules of the IPS.
    6.5.2. The Operator shall perform all actions necessary for the registration of the Merchant in the Acquirer’s information system for settlements using the Cards, if this Transfer method is approved for the Merchant in the Contract or the Application or connected in accordance with 6.1.5. of these General Terms and Conditions. The decision for registration acceptance or refusal is taken by the Acquirer. The Operator shall not be liable for any losses incurred by the Merchant related to the refusal of the Acquirer to register the Merchant and perform settlements for transactions using the Card in its favor.
    6.5.3. The Operator undertakes to provide information and technological interaction between the Merchant and the Acquirer in transactions using the Cards, including: receipt from the Merchant and transfer to the Acquirer of electronic messages with requests for the Authorization; receipt from the Acquirer and transmission to the Merchant of electronic messages with the results of the Authorization.
    6.5.4. Operator is obliged to make settlements with the Merchant for transactions performed using the Cards in the order established by paragraph 6.2. of these General Terms and Conditions.
    6.5.5. The Merchant shall provide documents and fulfill other requirements presented by the Operator on the basis of the relevant requests (requirements) of the Acquirers within 3 (three) days from the date of receipt of Operator's request.
    6.5.6. The Merchant independently determines the procedure for rejection of the Product (terms and conditions) subject to the following condition: the buyer has the right to refuse both from all or part of the Product paid using the Card.
    6.5.7. The Merchant independently determines the procedure (methods and terms) for the return of Product paid using the Cards to an individual, taking into account the following: the refund of the amount paid for the Product is carried out only on the Card which was used to pay for the Product. The buyer has the right to return all or part of the Product paid using the Card.
    6.5.8. The Merchant shall within 3 (three) days provide the Operator with information about the Product sold by the Merchant, description of the procedure for payment for the Product, procedures for the provision of the Product to individuals, as well as procedures for the refusal and return of the Product from the date of receipt of the relevant Operator’s requirement.
    6.5.9. If the Card holder or Issuer contests the transaction made using the Card, the Operator, on the basis of the relevant message from Acquirer, has the right to request, and the Merchant undertakes to provide information and documents confirming the Merchant's proper fulfillment of its obligations under the Contract, as well as the Merchant's proper performance of its obligations to the Payer, in the form and volume determined by the Operator within a period not later than 3 (three) Business Days from the receipt of the relevant request from the Operator.
    6.5.10. The Operator has the right to provide the Acquirer with information about the Merchant (including legal address, post address, telephone/fax numbers, e-mail addresses, website, bank details, etc.) in order to transmit this information to IPS to ensure security and prevent fraud when using Cards.
    6.5.11. If the Acquirer collects fines, commissions and other payments (in accordance with the rules of the IPS) related to Invalid/Fraudulent transactions, as well as in other cases when the fine/commission is imposed on the Operator as a result of circumstances for which the Operator is not responsible, the Merchant is obliged to reimburse the Operator the amount of fines/commissions paid by the Operator in the order established in sub-clause 6.4.9. of these General Terms and Conditions.
    6.6. Linking the Card.
    6.6.1. The "Linking the Card" function allows making Transfers at the Merchant's request by means of debiting the funds from the Payer's Card on the basis of a previously given acceptance (auto-payments/recurrent/repeated and other payments meeting the specified criteria, hereinafter jointly referred to as "auto payments").
    6.6.2. The Merchant has the right to make auto payments only if there is a valid agreement concluded between the Merchant and the Cardholder in accordance with which the Cardholder grants the Merchant the right to make auto payments.
    The Merchant must receive an explicit and unambiguous interpretation of the consent of the Cardholder for the activation of auto payments, in particular, their periodicity and reasons must be clearly indicated.
    The consent of the Cardholder is understood as the consent to repeated debit of the funds from the Card, received by any of the methods provided by the current legislation, including but not limited to: a mark of compliance with the rules of debiting on the Merchant's website, confirmation by clicking on the button with the appropriate name in the pop-up window and so on. The signing of the document in hard copy is not required.
    6.6.3. To connect auto payments, the Merchant, after obtaining the consent of the Payer in the process of payment for the Goods, forwards the Payer to the Operator's Site (the Operator has the right to use i-frame or other technologies reflecting parts of the Operator's Site), where the Payer:
    • Enters the details of the Card (Card number, Cardholder name, validity period and CVV2/CVC2);
    • Enters/checks information received from the Merchant about the payment transaction;
    • Confirms once again his consent to activate auto payments;
    • Carries out other actions (if necessary) in accordance with the conditions indicated on the corresponding page.

    6.6.4. The Operator verifies the need for the Payer's authentication through the 3D Secure protocol and, if necessary, redirects the Payer to the Issuer's website for 3-D Secure authorization (The Operator is entitled to use i-frame or other technologies reflecting parts of the Issuer's Site).
    6.6.5. Simultaneously with the redirection of the Payer, the Merchant interacts with the Operator in accordance with the procedure described in Yandex.Checkout API or MWS (depending on the Information Exchange Protocol used by the Merchant).
    If the payment transaction is successful, the Operator sends the Merchant an identifier for this transaction. Auto payments will be further performed at the Merchant’s request using this identifier without entering the Card data and without the Payer's participation.
    6.6.6. The amounts of auto payments are determined by the agreement between the Cardholder and the Merchant and may differ from the amount of the original Transfer.
    6.6.7. If the Merchant has received an auto payment request in accordance with Yandex.Checkout API or MWS, the Operator considers this request legitimate and meets the will of the Payer and the Merchant.
    6.6.8. The content, the procedure and other features of information exchange between the Parties when using the "Linking the Card" function that are not regulated by the General Terms and Conditions are defined by Yandex.Checkout API or MWS.
    6.6.9. When Refunding/Canceling the original Transfer, the auto payments remain available.
    6.6.10. Any interaction with the Cardholder regarding the validity, legitimacy and other issues of conducting auto payments is made by the Merchant. The Merchant shall independently and at his own expense settle any claims of the Cardholders regarding the auto payments.
    6.6.11. The effect of Sub-Clauses 6.4.9. and 6.5.11 of the General Terms and Conditions on the Refund of Fraudulent and Invalid Transactions, transactions contested under the "Buyer protection" Service, as well as on the reimbursement of fines, fees and other payments paid in accordance with the rules of the IPS, covers auto payments in full.
    6.6.12. The "Linking the Card" function can be activated for the Merchant under the procedure established by Clause 2.10 of the General Terms and Conditions. The activation of auto payments is not the Operator’s obligations, but the Operator’s right. The Operator is not responsible to the Merchant for the refusal and any consequences of the Operator's refusal to activate the "Linking the Card" function, as well as the refusal of the Operator or the Issuer of the relevant Card to perform the auto payment.
    6.6.13. The Operator is entitled to deactivate the "Linking the Card" function of the Merchant at any time without explanation, by sending a notice to the Merchant via e-mail no later than the day of deactivation.
    6.7. Linking the Wallet.
    6.7.1. The "Linking the Wallet" function allows making auto payments – Transfers at the Merchant's request on the basis of the Payer's previously given acceptance by debiting the Payer's electronic money balance accounted by the Operator on the Wallet.
    The "Linking the Wallet" function is only available to the Merchants using Yandex.Checkout API as the Information Exchange Protocol.
    6.7.2. The Merchant has the right to make auto payments only if there is a valid agreement between the Merchant and the Payer under which the Payer grants the Merchant the right to make auto payments.
    6.7.3. The Merchant shall receive an explicit and unambiguous interpretation of the Payer's consent for the activation of auto payments, in particular, their periodicity and reasons shall be clearly indicated.
    6.7.4. The consent of the Payer is understood as the consent to repeated debit of funds from the Wallet, received by any of the methods provided by the current legislation, including, but not limited to ticking off a check box to consent with the debiting rules on the Merchant's website, confirmation by clicking on the button with the appropriate name in the pop-up window and so on. Signing of a document in hard copy is not required.
    6.7.5. To activate auto payments, the Merchant, after obtaining the consent of the Payer in the process of payment for the Goods, forwards the Payer to the Operator's Site (the Operator has the right to use i-frame or other technologies showing parts of the Operator's Site), where the Payer:
    • Enters/checks information received from the Merchant about the payment transaction;
    • Confirms once again his consent to activate auto payments;
    • Enters authorization data in accordance with the Agreement between the Operator and the Payer;
    • Carries out other actions (if necessary) in accordance with the conditions indicated on the corresponding page.

    6.7.6. In case of successful authentication of the Payer and fulfillment of all the actions specified in Clause 6.7.5. of the General Terms and Conditions, the Operator sends to the Merchant a Money Transfer and Auto Payments Activation Notification. Further auto payments will be made at the Merchant's request without additional confirmation from the Payer.
    6.7.7. Information and technological interaction between the Operator and the Merchant when activating auto payments and following it within the "Linking the Wallet" function is carried out as established by Yandex.Checkout API.
    6.7.8. The amounts of auto payments are determined by the agreement between the Payer and the Merchant and may differ from the amount of the original Transfer, during which auto payments were activated.
    6.7.9. If the Merchant has sent an auto payment request in accordance with Yandex.Checkout API, the Operator considers this request as legitimate and meeting the will of the Payer and the Merchant.
    6.7.10. Auto payments remain activated when Refunding/Canceling the original Transfer during which auto payments were activated.
    6.7.11. Any interaction with the Payer concerning the validity, legitimacy and other auto payments issues shall be carried out by the Merchant. The Merchant settles any auto payments-based claims of the Payers independently and at its own expense.
    6.7.12. The "Linking the Wallet" function may be activated for the Merchant as established by Clause 2.10 of the General Terms and Conditions. Activation of auto payments is the right of the Operator and not the obligation. The Operator shall not be liable to the Merchant for its refusal and any consequences of the refusal to activate the "Linking the Wallet" function or from the execution of the auto payment.
    6.7.13. The Operator is entitled to deactivate the "Linking the Wallet" function of the Merchant at any time without explanation by sending a notice to the Merchant via e-mail within 3 (three) days from the day of deactivation.
    6.7.14. The effect of Subclause 6.4.9. of the General Terms and Conditions regarding the Refund of Fraudulent and Invalid Transactions, as well as transactions contested under the "Buyer protection" Service, shall cover auto payments in full.
    6.8. Rights and obligations of the Parties when performing the Money Transfers for the Products at the expense of LLC MCC "Credit-Line" microloans (Installments payment method)
    6.8.1. Refund of the amount paid for the Product by the Payer shall be performed only as established by the General Terms and Conditions for the Transfer Refund or Cancellation.
    6.8.2. The Merchant undertakes to include a condition in the purchase and sale agreement limiting the ways to refund the cost of the Product purchased using LLC MCC "Credit-Line" microloans, by crediting funds to the Wallet with which the Product was paid for.
    6.8.3. If the Payer returns or refuses the Product, the Merchant shall refund the Payer the cost of the Product through the Operator within 2 (two) Working Days from the date the Merchant makes a decision to satisfy the Payer's claim or the relevant court order entries into force.
    6.8.4. The Merchant shall provide the Operator with documents confirming the transfer of the Product/rendering of a service to the Payer within 3 (three) Working Days from the date of receipt of the Operator's request.
    6.8.5. The amount of the Operator’s remuneration for the Transfer Notifications depends on the type of the microloan provided to the Payer, denoted by the AgentID. Description of the types of microloans and their corresponding AgentIDs is given in the table contained in Clause 6.8.6. of the General Terms and Conditions.
    6.8.6. The Merchant's obligations to pay remuneration to the Operator upon the Transfer Refund or Cancellation are regulated in Clause 6.4. of the General Terms and Conditions, taking into account the features described in the next paragraph.
    In case of the Transfer Cancellation performed by means of Yandex.Checkout API and the Transfer Refund, the Merchant is refunded a part of the earlier paid remuneration, depending on the Transfer AgentID, in the amount indicated in the table below.
    Microloan typeAgentIDThe amount of remuneration refunded to the Merchant (% of the amount of the Transfer)
    Microloan maturity - 6 months, grace period* - 6 months20175718
    Microloan maturity - 5 months, grace period* - 5 months20176016
    Microloan maturity - 4 months, grace period* - 4 months20176114
    Microloan maturity - 3 months, grace period* - 3 months20176312
    Microloan maturity - 12 months, grace period* - 4 months2017647
    Microloan maturity - 12 months, grace period* - 3 months2017654
    Microloan maturity - 12 months, grace period* - 2 months 2017662
    Microloan maturity - 6 months, grace period* - 1 month 2017620
    Microloan maturity - 12 months, grace period* - 1 month 2017580
    * Interest does not accrue on a microloan during grace period
    6.9. Отложенная оплата
    При использовании Поставщиком в качестве Протокола обмена информацией API Яндекс.Кассы ему становится доступен функционал «Отложенная оплата».
    При использовании Поставщиком в качестве Протокола обмена информацией HTTP-протокола функционал «Отложенная оплата» может быть подключен Поставщику в порядке, установленном п. 2.10 Правил. Подключение данного функционала является правом, а не обязанностью Оператора. Ответственности перед Поставщиком за отказ от подключения функционала «Отложенная оплата» Оператор не несет. Оператор вправе в любое время без объяснения причин отключить функционал «Отложенная оплата», направив Поставщику уведомление посредством электронной почты не позднее дня отключения.
    Функционал «Отложенная оплата» позволяет при оплате Товара Картой в момент заказа Плательщиком Товара отложить его оплату на срок до 7 (семи) дней, в течение которых сумма, равная стоимости Товара, будет заблокирована на Карте Плательщика. Использование данного функционала осуществляется по инициативе Поставщика.
    В рамках функционала «Отложенная оплата» при совершении Плательщиком операции с использованием Карты в оплату Товара, Оператор уведомляет Поставщика в соответствии с процедурой, установленной API Яндекс.Кассы (при использовании Поставщиком API Яндекс.Кассы) или MWS (при использовании Поставщиком HTTP-протокола), о совершении такой операции. После направления Оператором Поставщику уведомления денежная сумма, равная стоимости Товара, блокируется на Карте Плательщика на срок до 7 (семи) дней.
    Поставщик в течение 7 (семи) дней со дня получения уведомления от Оператора вправе подтвердить получение Перевода или отказаться от получения Перевода посредством API Яндекс.Кассы/MWS или функционала Личного кабинета.
    При подтверждении Поставщиком получения Перевода Оператор в режиме реального времени направляет Поставщику Уведомление о Переводе в соответствии с процедурой, установленной API Яндекс.Кассы/MWS, и уведомляет Эквайрера о необходимости списания денежных средств с Карты Плательщика. При отказе Поставщика от получения Перевода или не направления им в семидневный срок любого из уведомлений, предусмотренных абзацем третьим настоящего подпункта 6.9, Оператор уведомляет Эквайрера о необходимости разблокирования денежной суммы на Карте.
    Оператор вправе в любое время до момента подтверждения Поставщиком получения Перевода отменить отложенный Перевод. В этом случае Оператор направляет Эквайреру сообщение о необходимости разблокирования денежной суммы на Карте и уведомляет Поставщика об отмене перевода посредством Протокола обмена информацией, электронной почты или иным способом, установленным Правилами для информационного обмена Сторон, в течение 3 (трех) дней.
    Обязанность Оператора перечислить сумму Перевода возникает с момента направления Оператором Уведомления о Переводе в соответствии с API Яндекс.Кассы/MWS и исполняется в сроки, установленные п. 6.2. Правил.
    6.10. Особенности операций способом «B2B-платежи»
    6.10.1. При Переводах способом «В2В-платежи» Плательщиками и Поставщиками могут выступать юридические лица и индивидуальные предприниматели, находящиеся на расчетно-кассовом обслуживании в ПАО Сбербанк и подключенные к системе дистанционного банковского обслуживания Сбербанк Бизнес Онлайн.
    6.10.2. Распоряжение на Перевод способом «В2В-платежи» оформляется и направляется Плательщиком в ПАО Сбербанк посредством системы дистанционного банковского обслуживания Сбербанк Бизнес Онлайн.
    6.10.3. Переводы способом «В2В-платежи» совершаются без участия Оператора в качестве оператора по переводу денежных средств. Такие Переводы осуществляются ПАО Сбербанк посредством списания денежных средств с банковского счета Плательщика и зачисления денежных средств на банковский счет Поставщика.
    6.10.4. Зачисление суммы Перевода на банковский счет Поставщика в ПАО Сбербанк осуществляется в сроки, установленные законодательством и договором банковского счета, после принятия ПАО Сбербанк к исполнению Распоряжения Плательщика о Переводе и направления Оператором Поставщику Уведомления о Переводе.
    6.10.5. Для обеспечения исполнения обязательств по уплате вознаграждения Оператору Поставщик в течение 5 (пяти) Рабочих дней со дня подключения способа платежа «В2В-платежи» перечисляет Оператору Обеспечение в размере, определяемом Поставщиком. В дальнейшем Поставщик при наличии такой необходимости пополняет сумму Обеспечения по своему усмотрению.
    Перечисление суммы Обеспечения осуществляется платежным поручением на счет, открытый Оператором для учета Обеспечения, со следующей формулировкой назначения платежа: «Сумма обеспечения по договору №номер и дата Договора. Без НДС».
    6.10.6. Вознаграждение Оператора удерживается из Обеспечения.
    В случае недостаточности Обеспечения для удержания вознаграждения в полном объеме Оператор праве отказать Поставщику в оказании информационно-технологических услуг при осуществлении Перевода.
    В случае, если Оператор не воспользуется правом на отказ, предусмотренным абзацем вторым настоящего подпункта 6.10.6, Поставщик обязуется перечислить Оператору сумму задолженности по уплате вознаграждения в течение 3 (трех) Рабочих дней с даты направления Оператором Поставщику Уведомления о Переводе.
    6.10.7. По Переводам способом «В2В-платежи» Оператор формирует отдельный Реестр Переводов и направляет его Поставщику в порядке, установленном разделом 10 Правил.

    7. PROVIDER. RIGHTS AND OBLIGATIONS OF THE PARTIES

    7.1. The Operator undertakes to provide information and technological services to the Provider, for a fee. The services include collection, processing and transfer of information on the Money Transfers in favor of the Provider, its clients or clients of the credit organizations which are a Provider’s partner.
    7.2. The Provider undertakes to ensure that the Recipients of the Money Transfers fulfill the requirements specified in Section 6 of these General Terms and Conditions.
    7.3. When making the Money Transfers in favor of the Provider’s clients or the clients of credit organization that is the Provider's partner, the Provider undertakes the following:
    • timely transfer of Money Transfers to Recipients of Transfers;
    • the existence and legitimacy of contractual relations with the Recipients of Money Transfers.
    7.4. The list of Recipients of Transfers specified in the Contract may be modified by one of the following methods:
    7.4.1. By the conclusion of the additional agreement to the Contract by the Parties;
    7.4.2. By sending the application for connection of new Recipients to the Operator from Provider's Personal Account or by Provider's the e-mail. The statement must contain a description of the Recipients and the technical characteristics necessary for information and technological interaction between the Operator and the Provider while Money Transfers in favor of Recipient is performed. The Operator at its discretion makes the decision on connection or on denial of the connection of new Recipients. In case of a positive decision of the Operator he sends to the Provider via e-mail a notification containing the Recipients ID in hardware and software complex of the Operator and the rate of remuneration of the Operator for the newly connected the Recipients and/or displays this information in the the Provider's Personal Account. The agreements considered to be amended in part of adding new Recipients from the moment of sending the above notification by the Operator to the Provider or since displaying information about new Recipients in the Personal Account, depending on what comes first. The conclusion of the additional agreement to the Contract between the Parties in this case is not required.
    The Operator will charge Provider remuneration for the provision of information technology services when making Money Transfers in favor of newly connected Recipients in the amount specified in the notification of the Operator and/or in the Personal Account, regardless of what rates were indicated in the application of the Provider for connecting new Recipients.
    7.5. The provisions of Section 6 of these General Terms and Conditions shall apply to the relations of the Operator and the Provider, unless otherwise provided by this Section 7 herein.

    8. AGENT. RIGHTS AND OBLIGATIONS OF THE PARTIES

    8.1. General provisions
    8.1.1. The Agent undertakes in its own name and at the expense of the Operator to carry out activities to attract Merchants for the conclusion of Contracts with the Operator for the remuneration.
    8.1.2. The Agent cannot conclude any transactions on the behalf of the Operator.
    8.1.3. The services provided by the Agent can include the following:
    (a) Placing of information on the services of Yandex.Checkout on the information resources specified in the Contract during the whole term of the Contract,
    (b) Placing of Connection Request or link to it for Merchants wishing to conclude a Contract with the Operator on the information resources specified in the Contract during the whole term of the Contract;
    (c) Placing of the information about the estimated price of the services provided by the Operator to the Merchants on the information resources specified in the Contract.
    The information about the estimated price of services and the Connection Application form is sent to the Agent by the Operator via e-mail to the address specified in the Contract.
    (d) Collection and sending of duly filled Requests to the Operator.
    8.1.4. In the event of unsuccessful filling out of the Connection Requests by the Merchant, the Agent shall inform the Merchant about the relevant fact indicating of errors made during forming or processing the Requests.
    8.1.5. In case of successful reception of a properly completed Merchant’s Connection Request , the Agent shall send the information contained therein to the Operator in real time by sending a message to the Operator’s e-mail address: merchants@yamoney.ru with the subject ‘Request for connecting the store from ____ (_name of the Agent_)’.
    8.1.6. The Agent is aware and agrees that the conclusion of the Contract between the Operator and the Merchant that has sent the Connection Request to the Operator with the Agent’s assistant is not the Operator's responsibility.
    8.1.7. The Operator undertakes to inform the Agent about the terms and procedure of interaction of the Operator with the Merchants, necessary for Agent’s work on attracting the Merchants.
    8.1.8. The Agent's right to receive remuneration arises in the event of Money Transfers under the Contract concluded between the Operator and the Merchant on the basis of the Connection Request sent by the Agent, and terminates one year after the date of the first Money Transfer in favor of the Merchant attracted by the Agent.
    8.1.9. If the Operator changes the Connection Request form and/or the cost of the Operator's services, the Agent shall make appropriate changes to the information posted on its resources not later than the day following the day of receipt of the message from the Operator.
    8.1.10. Non-Resident Agent undertakes to provide the Operator with a letter on the presence or absence of an Agent's representation on the territory of the Russian Federation and a Certificate of Tax Residence.
    8.1.11. The Agent is not entitled to perform any actions (including but not limited to making technical adjustments, to pursue information or pricing policy) aimed at the full or partial restriction of the Merchant's access to the Yandex.Checkout service functions or the creation of competitive advantages for other services, similar to the Yandex.Checkout service.
    8.2. AGENT’S REMUNERATION AND ACCOUNT SETTLEMENT
    8.2.1. The Operator undertakes to pay the Agent remuneration in the amount agreed by the Parties in the Contract . The remuneration includes VAT at the rate established by law in the event that the Agent is a VAT payer. Non-resident Agent's remuneration includes all taxes and fees specified by the legislation of the country of its location that are calculated and paid by the Non-resident Agent on its own.
    8.2.2. The remuneration for the Reporting month is calculated in the Operator's Obligations Currency and is paid by the Operator within 5 (five) Business Days from the date of receipt of the Agent's Report for the Reporting Period by the Operator in the order established by paragraph 8.3.4. of the General Terms and Conditions and signed by the Agent.
    8.2.3. If the Currency of Product, in payment of which the Money Transfers are made under the Contract with the Merchant is different from the Currency of the Operator's obligation to pay remuneration to the Agent, the Agent's remuneration is to be paid by the Operator in the Obligation Currency at the exchange rate of the Obligation Currency to the Product Currency established by the Bank of Russia on the day of payment and increased by five percent.
    The Merchant's obligation to pay to the Operator the remuneration under the Agreement on Information and Technological Interaction in the process of the Money Transfers of individuals is executed in the Currency of the Product.
    8.2.4. The Currency of Product and the Obligation Currency are specified in the Contract.
    8.2.5. Any costs incurred by the Agent during the performance of its obligations are already accounted for in the amount of the Agent's remuneration and are not subject to additional compensation by the Operator.
    8.2.6. The Operator undertakes to transfer the remuneration for the reporting period to the Non-Resident Agent, net of taxes provided for by the legislation of the Russian Federation.
    8.2.7. The Agent loses the right to receive remuneration for the engagement of the Merchant after 12 months from the date of the first Money Transfer in favor of the Merchant attracted by the Agent.
    8.2.8. Operator’s monetary obligations shall be deemed fulfilled upon writing-off the amount due from a Operator’s correspondent account.
    8.3. Agent Report Approval Order
    8.3.1. Not later than the 5th (fifth) day of the month following the Reporting Month, the Operator shall forward the draft of the Agent's Report for the Reporting Month to the Agent’s e-mail address specified in the Contract.
    8.3.2. Within 5 (five) days from the date of Report reception, the Agent is obliged to approve it and send it to the Operator to shoppay@yamoney.ru or send its objections in the same order. If the objections of the Agent regarding the information contained in the Report are found to be justified, the Parties draw up a data discrepancy act not later than 3 (three) Business Days from the date of receipt by the Operator of the objection and take into account the amounts contained in it in the Agent's Report for Next reporting month. In the event of Operator’s non-delivery of Agent's objections within the above-mentioned term, the Report shall be deemed to be agreed upon by the Agent.
    8.3.3. Within 3 (three) Business Days from the date of receipt of the agreed Report from the Agent, the Operator signs and sends two copies of the agreed Report in hard copy to the Agent.
    8.3.4. Within 3 (three) Business Days from the receipt of the signed Report from the Operator, the Agent is obliged to send to the Operator one copy of signed Certificate of Services Rendered together with the an invoice (in case the Agent is a VAT payer).
    8.3.5. If the Parties have electronic key signature verification certificates issued by one or several accredited certification authorities and allowing Parties to conduct electronic interaction, the Parties shall agree on exchanging documents of Agent's Report signed by a qualified electronic signature within the time limits specified in subparagraphs 8.3.1 to 8.3.4 of the Regulations. Exchange of Reports in hard copy is not required in this case.

    9. ADVERTISER. RIGHTS AND OBLIGATIONS OF THE PARTIES

    9.1. The Operator shall render the Advertiser services aimed at attracting the Users to the Lead(s) by placing the Advertiser’s Advertisements (Offers) on the Platforms.
    9.2. An advertisement may contain information about goods, works, services intended for both personal and non-entrepreneurial activities use (Consumer Offers), and for use in entrepreneurial activities (Business Offers).
    The Parties agreed that the drafted Offer Application form determines the type of the Advertisement (regardless of its content):
    • Consumer Offer Application is filed using the form specified in Clause 9.4.4. hereof;
    • Business Offer Application is filed using to the form specified in Clause 9.5.2. hereof.
    The Operator has the right to unilaterally set additional requirements for the Offer Applications and the order of their submission, which are communicated to the Advertiser via e-mail, by posting them on the Operator’s Website or in any other way established by the General Terms and Conditions for the information interaction of the Parties.
    9.3. The Operator has the right to require the Advertiser to refer the Advertisement to a different type than previously determined by the Advertiser in accordance with Clause 9.2. hereof, as well as the fulfillment of obligations by the Advertiser, taking into account the specifics established by the General Terms and Conditions for this type of Advertisement.
    9.4. Interaction Between the Parties When Placing Consumer Offers
    9.4.1. When placing Consumer Offers, the Parties agree on one of the following interaction options:
    • Offer Program API;
    • E-mail.

    9.4.2. The Parties agree on the way of interaction using the e-mail addresses specified in Clause 16.6. hereof and the Contract/Application. In this case, the chosen way of interaction shall apply to all Consumer Offers placed under the Contract, unless otherwise agreed by the Parties. The Operator has the right to refuse a certain way of interaction by the Advertiser.
    The default way of interaction is by e-mail.
    9.4.3. Change of the way of interaction is carried out by agreeing a new way of interaction in the order established by Clause 9.4.2. hereof.
    9.4.4. The Advertiser provides the Operator with ready-to-place Consumer Offers, as well as all information on the terms of their placement (Lead description, the amount of the Operator’s remuneration for the Lead within the Advertising Campaign, etc.) necessary for the provision of services by sending an Offer Application as follows:
    (a) If the Parties use API of the offer platform as a way of interaction, the Offer Application is transmitted via the API of the offer platform in the form defined by the API;
    (b) If the Parties use e-mail as a way of interaction, the Offer Application is sent from the e-mail address of the Advertiser indicated in the Contract/Application to the e-mail address of the Operator specified in Clause 16.6. hereof, in the form at https://tech.yandex.com/money/doc/offers/guides/campaign-form-docpage/.
    9.4.5. The Consumer Offer is formed according to the information transferred for the Offer Application, by the algorithm given in the Offer Program API description.
    9.5. Interaction Between the Parties When Placing Business Offers
    9.5.1. When placing Business Offers, the Parties interact via e-mail. Offer Program API is not used in this case.
    9.5.2. The Advertiser provides the Operator with ready-to-place Business Offers, as well as all information on the terms of their placement (Lead description, the amount of the Operator’s remuneration for the Lead within the Advertising Campaign, etc.) necessary for the provision of services by sending an Offer Application from the e-mail of the Advertiser specified in the Contract/Application, to the e-mail of the Operator specified in Clause 16.6. hereof, according to the form posted on the Operator’s Website at https://money.yandex.ru/page?id=529964.
    9.5.3. The Business Offer Application is not required to contain a Lead description. The Parties agreed that in the absence of such a description, a Click is considered a Lead.
    9.5.4. The Business Offer is formed according to the information transferred for the Offer Application, by the algorithm given on the Operator’s Website at https://money.yandex.ru/page?id=529964.
    9.5.5. The reporting on Leads for Business Offers, indicated in Clause 9.12.1 of the General Terms and Conditions, is not provided.
    9.6. Advertisement Placing Procedure
    9.6.1. The term of placement indicated in the Offer Application is considered to be the maximum and does not impose the obligation on the Operator to place Advertisements for the entire specified period.
    If the Advertiser does not specify the term of placement, the Advertisement may be placed from the moment of its receipt by the Operator during the whole term of the Contract. The Advertiser has the right to withdraw such an Advertisement through Offer Program API or by e-mail (depending on the way of interaction used), with that the Parties agree on the technological, organizational and financial features of the work when the time for stopping the advertisement display is agreed.
    9.6.2 Upon the agreement of the Parties, the Operator has the right to place an Advertisement, the algorithm of formation of which differs from those specified in Clauses 9.4.5 and 9.5.4 hereof, provided that this Advertisement is formed on the basis of the information transmitted for the Offer Application.
    9.6.3. The Parties agreed that the coordination of the conditions for placing the Advertisements in writing is deemed complied with when the Parties use the ways of interaction specified in Clauses 9.4.1 or 9.5.1. hereof.
    9.6.4. The provided Advertisements shall comply with all rules and requirements of the applicable law, as well as with other requirements for such materials from the Operator and brought to the attention of the Advertiser.
    9.6.5. The Operator reserves the right not to post/refuse to place/suspend the placement of all or individual Advertisements without explanation. The Operator does not undertake to place all the Advertisements under the Contract. The exercise of this right by the Operator is not a violation of the terms of the Contract and/or a basis for compensation of any losses to the Advertiser.
    9.6.6. The Operator does not guarantee the uninterrupted operation of the Platforms, the availability of all the functions/methods set forth in the Offer Program API to the Advertiser, and/or the continuous display of the placed Advertisements.
    9.6.7. Placement of the Advertisements on the Platforms may be accompanied by an appropriate textual disclaimer (at the choice of the Operator) containing information stipulated by the Federal Law "On Advertising" (for example, containing the name of the person providing the financial service) and/or other information, which the Operator thinks should be brought to the User. At the same time, partial overlapping of the part of the Advertisement with such text and/or text and graphic element is allowed.
    9.6.8. The Operator has the right to independently determine the technical parameters for placing the Advertisements without changing the content of the specified Advertisements, including: placement format, the Platforms on which the Advertisements are placed and their placement within the Platform, display frequency, targeting, use of color effects (for example, fading through black). At the same time, the Advertiser agrees that due to discrepancy of the technical parameters, distortions in the display of Advertisements on the Platforms are permissible. If such distortions are detected, the Operator changes the technical parameters of the placement or removes the Advertisement from display. The detection of these distortions is not a violation of the terms of the Contract and/or a basis for compensation of any losses to the Advertiser, as well as grounds for refusal to pay remuneration to the Operator.
    9.7. In the event that the Advertiser provides third-party Advertisements to the Operator, it is responsible for them as for its own. The corresponding third parties are not entitled to exercise the rights and obligations of the Party in accordance with these General Terms and Conditions, and the Operator has no obligations to these third parties.
    9.8. The Parties to the Contract confirm the following circumstances, agree with them and recognize their essential importance for the conclusion and execution of the Contract:
    9.8.1. Nothing in these General Terms and Conditions can be interpreted as the basis for the recognition of the Operator as the person who determined the object of advertising and (or) the content of the Advertisements (the Advertiser). This person is the Advertiser.
    9.8.2. The Advertiser is individually and fully responsible as a person who has brought the information into a ready-made form for distribution in the form of Advertisements using the ways/methods/possibilities specified herein and ensures that all the requirements of the current legislation for the Advertisements formed and provided by them for placement are complied with.
    9.8.3. Under no circumstances does the acceptance of the Advertisements for placement by the Operator mean confirmation by the Operator and/or provision to the Advertiser of the rights to any use of objects of intellectual property of third parties in such Advertisements by the Operator. The entire responsibility for this use is borne by the Advertiser.
    9.8.4. The Advertiser guarantees that the content and form of the Advertisements, the placement of the relevant Advertisements by the Operator in accordance with the General Terms and Conditions does not violate and does not entail any violation of any rights of third parties and the current legislation of the Russian Federation.
    9.8.5. The trademarks and means of individualization presented within the framework of the Advertisements belong to the Advertiser. In the case of providing means of individualization of third parties, the Advertiser is obliged to have duly written consent for such placement from the person concerned.
    9.8.6. In the event that a link to the site is included in the Advertisement, the Advertiser guarantees the relevance of the transfer page to the topic of the Advertisement.
    9.8.7. Within the framework of the Advertising Contract, the Advertiser agrees not to transfer to the Operator information protected by law. In the event of transfer of such information to the Operator, the Advertiser guarantees compliance with applicable laws and the possibility of using this information by the Operator for legitimate reasons for such transfer.
    9.9. In cases where the activity being the subject of advertising is subject to licensing, mandatory certification, or other mandatory confirmation or authorization, the Advertiser is obliged to provide the Operator with copies of the relevant documents simultaneously with the Advertisement.
    9.10. The Operator undertakes not to distribute Advertisements using e-mail services until receiving the recipient’s prior consent.
    9.11. In case of placing an Advertisement on the Platform belonging to the Operator’s partner, the Operator has the right to transfer to such partner any information related to the execution and conclusion of the Contract, including the Offer Application, the data contained in the daily and monthly reports, information on the made Leads and the amount of the Operator’s remuneration. The transfer of this information does not violate the requirements for its confidentiality.
    9.12. Procedure for Reporting Leads
    9.12.1. The Advertiser undertakes to send to the Operator data on the Leads made for Consumer Offers in one of the following ways:
    (a) By sending the Lead Register in the form specified in Offer Program API. The Lead Register is sent once per two weeks by e-mail: from the e-mail address set by the Advertiser in the Contract/Application to the e-mail address of the Operator specified in Clause 16.6. hereof.
    (b) By sending notifications of the Leads (about used Offers) in real time using the methods described in Offer Program API.
    The Advertiser is required to agree the way of providing the Lead data with the Operator. The Operator has the right to refuse to use a certain way of providing the Lead data by the Advertiser. The Parties coordinate the way of providing the Lead data by e-mail. The way of providing the Lead data is changed by agreeing a new way of interaction as established by this Clause.
    The default way to provide the Lead data is sending of the Lead Register.
    9.12.2. In addition to daily reporting, the Advertiser undertakes to send the Advertiser’s Report to the Operator on a monthly basis, no later than the 10th day of the month following the Reporting Period.
    Reports of the Advertiser for Customer Offers are compiled in the form described in Offer Program API and provided to the Operator by the Advertiser via e-mail using the addresses contained in the Application/Contract and Clause 16.6 hereof.
    Reports of the Advertiser Data for Business Offers are compiled in the form described on the Operator’s Website at https://money.yandex.ru/page?id=529964 and are provided to the Operator by the Advertiser via e-mail using the addresses contained in the Application/Contract and Clause 16.6 hereof.
    9.12.3. Reporting of the Advertiser specified in this Clause 9.12. of the General Terms and Conditions shall be complete, reliable, undistorted, contain information about the made Leads, their types, cost, unique identifiers and the amount of the Operator’s remuneration.
    9.13. Operator’s Remuneration and Settlement Procedure
    9.13.1. The Operator's remuneration for the Reporting Period is calculated based on the amount of remuneration for one Lead and the total number of Leads made in the Reporting Period and includes VAT at a rate of 18%.
    9.13.2. The Operator’s remuneration for one Lead (the procedure for calculating it) is indicated by the Advertiser in the Offer Application and can be:
    (a) Fixed ("fix" value is transferred in the Offer Application);
    (b) Variable: defined as a percentage of the value of goods (works, services) paid by the User as a result of the made Lead ("percent" value is transferred in the Offer Application);
    (c) Determined by the minimum ("campaignFeeMin" parameter) and the maximum ("campaignFeeMax" parameter)) remuneration value for one Lead. When using these parameters, the Operator’s reward for one Lead mentioned in the Report of the Advertiser can not be less than the campaignFeeMin parameter and more than the campaignFeeMax parameter. This method of determining the remuneration is available only when the Offer Application is transferred through the Offer Program API.
    9.13.3. In order to account the volume of services rendered, including the number of Leads, the Parties use the system of registering the statistics of the Advertiser whose data is provided to the Operator unchanged. If possible, the Operator maintains its own statistics, the data of which will be considered in disputable situations by the Parties as indisputable data for recording the volume of services rendered, including the number of Leads.
    9.13.4. The services of the Operator for the Reporting Period shall be paid by the Advertiser on a monthly basis not later than the 28th day of the month following the Reporting Period, by transferring funds to the bank details indicated in the invoice issued by the Operator. The duty of the Advertiser to pay for the services of the Operator shall be deemed fulfilled when the funds are credited to the correspondent account of the Operator.
    9.13.5. The amount of the Operator’s remuneration for one Lead is established and settlements under the Contract are made in rubles of the Russian Federation.
    9.14. Procedure for Accepting Services Rendered by the Operator
    9.14.1. The Operator prepares, checks and sends to the Advertiser in duplicate the Certificate of Services Rendered on the basis of the Report of the Advertiser, as well as a bill and invoice within 10 (ten) working days from the date of receipt of the Report of the Advertiser, in the absence of comments. The Parties acknowledge that copies of these documents sent by the Operator to the Advertiser by e-mail will be applied in the process of acceptance of services until the originals are received.
    If the Operator placed both Consumer and Business Offers in the Reporting Period, the period specified in the first paragraph of this Sub-Clause is calculated from the date of receipt of the last of the Advertiser's Reports by the Operator, and the Operator draws up the Certificate of Services Rendered on the basis of data contained in the Advertiser's Reports on Consumer and Business Offers.
    9.14.2. Within 5 (five) Working Days from the receipt of the Certificate of Services Rendered on paper or in electronic form (depending on the event that occurs earlier), the Advertiser should check the Certificate of Rendered Services, and if there are objections, provide motivated objections in writing on paper in the same period. In the event that the Counterparty does not provide the Operator with an objection within the specified period, the services are deemed to be rendered properly, and the Certificate of Rendered Services, agreed.
    The Advertiser shall sign and return to the Operator one copy of the agreed Certificate of Certificate of Services Rendered on paper within 5 (Five) working days from the moment of its receipt.
    9.14.3. If the Parties have electronic key signature verification certificates issued by one or several accredited certification authorities and allowing the Parties to conduct electronic interaction, the Parties shall agree on the Certificate of Services Rendered by exchanging documents signed by a qualified electronic signature within the timeframe set forth in Clause 9.14.2 hereof. Exchange of Certificate of Services Rendered on paper is not required in this case.

    10. VERIFICATION OF DATA ON MONEY TRANSFERS , DEPOSITS AND ACCEPTED CASH IN THE SERVICE YANDEX.MONEY

    10.1. Verification of data on the cash received by the Payment Agent, Money Transfers and Deposits in the Yandex.Money Service is carried out daily.
    10.2. The Operator shall every day send:
    10.2.1. to Payment Agent - Register of funds notified on acceptance by the Information Exchange Protocol for the Reporting Day, no later than 9:00 am Moscow time of the calendar day following the Reporting Day.
    10.2.2. to Bank - Register of Money Transfers notified on acceptance by the Information Exchange Protocol for the Reporting Day, until 11 hours 59 minutes and 59 seconds of the Moscow time of the calendar day following the Reporting Day.
    10.2.3. To Sender - Register of Deposits made by the Operator for the Reporting Day until 11 hours 59 minutes 59 seconds Moscow time in the calendar day following the Reporting Day. Deposit amounts returned to the Sender in accordance with Clause 5.2.5. of the General Terms and Conditions on the day of their commission are not included in the Deposit Register.
    10.2.4. To Sender who does not use the "Deposit Agent" application - Register of Deposits returned by the Operator for the Reporting day in accordance with Clause 5.2.5. of the General Terms and Conditions, until 11 hours 59 minutes and 59 seconds Moscow time of the calendar day following the Reporting Day.
    10.2.5. To Merchant (Provider) - the Register of Money Transfers notified by the Information Exchange Protocol Operator for the Reporting Day, until 11 hours 59 minutes and 59 seconds Moscow time of the calendar day following the Reporting Day.
    10.2.6. To the Merchant (Provider) who implemented MWS /and used the Merchant Account or other method agreed by the Parties for the Refunds - the Register of Transfers returned by the Operator for the Reporting Day, until 11 hours 59 minutes 59 seconds of the Moscow time of the calendar day following the Reporting Day.
    To the Merchant (Provider) who implemented Yandex.Checkout API as Information Exchange Protocol and used the Merchant Account or other method agreed by the Parties for the Refunds - the Register of Transfers returned by the Operator for the Reporting Day, until 11 hours 59 minutes 59 seconds of the Moscow time of the calendar day following the Reporting Day.
    10.3. The Registers are sent to the e-mail of the Counterparty specified in the Application or the Contract or to the Counterparty's Merchant Account and signed by the Operator's electronic signature in the manner prescribed by the Electronic Document Flow Agreement.
    10.4. The Registers forms are located on the Internet at the following addresses:
    For Merchants (Providers) using the HTTP protocol — https://tech.yandex.com/money/doc/payment-solution/payment-registers/payment-registers-about-docpage/
    For Merchants (Providers) using the Yandex.Checkout API — https://checkout.yandex.com/docs/checkout-api
    For Payment Agents, Banks — https://tech.yandex.com/money/doc/payment-solution/deposition/registers-docpage/
    For Senders — https://tech.yandex.com/money/doc/payment-solution/payout/registers-docpage/.
    10.5. In the event of disagreement with the contents of the Register, the Counterparty informs the Operator of the detected discrepancies no later than 11 hours 59 minutes and 59 seconds Moscow time of the calendar day following the day of receipt from the Operator of the Contested Register. The message is sent by e-mail to the addresses of the Operator
    In the event that the Counterparty fails send its objections and/or the Counterparty send the objections out of time, the information contained in the Register is considered to be confirmed without any observations.
    10.6. If the Counterparty discovers any discrepancies in the data contained in the Register and is available to the Counterparty out of term set out in paragraph 10.5 herein, the Counterparty has the right to declare its objections. In the event that such objections are justified, Operator shall take them into account in the Register for any of the Reporting days after the Operator receives the Counterparty's objections.

    11. USE OF TRADEMARKS AND OTHER MEANS OF INDIVIDUALIZATION. REQUIREMENTS FOR THE COUNTERPARTY’S WEBSITE AND USER’S MONEY TRANSFER INTERFACE

    11.1. Operator’s trademarks
    The Counterparty has the right to use the Operator's trademarks in the order established by this section 11 of these General Terms and Conditions: https://money.yandex.ru/doc.xml?id=522991
    11.2. The use of the trademarks specified in clause 11.1 of the General Terms and Conditions is only allowed when executing of the Contract in accordance with the following conditions:
    11.2.1. ТTrademarks shall be placed on the main page of the Counterparty's website or on the page containing the information about payment methods for the Counterparty's services or in payment forms constructor of the Counterparty placed by the Counterparty on third party websites with mandatory onclick redirection to the Operator's website https://money.yandex.ru.
    11.2.2. In addition to the trademarks indicated on the pages of its website, the Counterparty has the right to post information about the Operator and its services, as well as a brief description of the Operator's services and terms of Transfers through the Operator.
    Information on the Money Transfers through the Operator should be available to the Payers without registration and until the button ‘Pay’ (or similar in meaning) is pressed.
    11.2.3. The trademark and the link to the Operator payment form must be presented on the Counterparty's website or in the payment form constructor in an amount not less than the respective trademarks of third-parties.
    11.2.4. Counterparty can not express payment forms on its website of the third party website, affecting the the visualization of the Operator's trademark, logos and links to payment forms of other payment solutions through the creation of an unobvious step for the Payer in the selection of the Operator payment form.
    11.2.5. The Counterparty has no right to provide any advantages for any other payment solutions in visualizing the payment process.
    11.2.6. Placement of the Operator's trademarks by the Counterparty in advertising and informational materials, their mention in the mass media, including information and journalistic publications, as well as placement on any resources on the Internet are possible only after preliminary agreement of the placement, content and form of information with the Operator.
    11.3. The Counterparty is obliged to place Operator's trademarks listed in Clause 11.1 hereof in the event of receipt of the relevant Operator requirement on its website.
    11.4. The Counterparty shall remove trademarks, as well as any other information about the Operator, not later than 1 (one) day from the date of receipt of the relevant Operator’s request from its website and other information resources.
    11.5. Counterparty Trademarks
    The Operator has the right to place the Trademarks of the Counterparty or third parties, as well as other means of individualization of the Counterparty (third parties) provided by the Counterparty in accordance with paragraph 11.6. of the General Terms and Conditions.
    11.6. The Counterparty is obliged no later than 5 (five) Working Days from signing of Contract to send to the Operator via e-mail at ecommerce@yamoney.ru the image of the trademark or other means of individualization of Product for their placement by the Operator in accordance with this Section 11 of these General Terms and Conditions. Requirements for the trademark: .gif format, the size of 88 * 31 pixels, not animated. In the case of providing means of individualization of third parties, the Counterparty shall have the duly written consent of such party for such placement.
    11.7. Information about the Counterparty can be placed:
    • on any website of the Operator;
    • on the websites of other Counterparties to indicate the possibility of transfers to the Counterparty/from the Counterparty;
    • in the mobile applications of the Operator;
    • in the mobile applications of other Counterparties to indicate the possibility of transfers to the Counterparty/from the Counterparty;
    • in ATMs, devices for accepting cash, other devices to indicate the possibility of transfers to the Counterparty through this device;
    11.8. The Counterparty's website must comply with the following requirements:
    11.8.1. The website should contain a description of Counterparty services/catalogue of Goods and their value, conditions, procedure, terms, delivery regions for goods (services, works), terms and procedure for the return of funds, full company name, TIN, legal and actual addresses, telephone number and e-mail address of the Counterparty, terms of use;
    11.8.2. All pages that related to the implementation of the Goods must be under a single domain name. At the same time, if the Counterparty is not an owner of the domain name, it must provide documents confirming the legal grounds for using the site;
    11.8.3. The site must be maintained in working state. All internal links of the site must work and be adequately processed;
    11.8.4. The site should not contain information (textual, graphic or any other kind), the dissemination of which is contrary to the current legislation or morality standards, as well as links to sites containing such information.
    Such information includes, for example: propaganda in any form of violence, drugs, terrorism, ethnic hatred, prostitution, etc.
    11.9. The user interfaces displayed on the Counterparty’s website when making a Money Transfer must meet the following requirements:
    11.9.1. If the Counterparty is an intermediary offering the Operator’s services to a third party "on a turn-key basis" together with other means of payment through the payment form designer, the Counterparty agrees to agree in writing the logic of the payment form operation on the third-party website and its design with the Operator.
    11.9.2. The Counterparty guarantees that the technical solution that contributes to calling the payment form of the Operator, used by the Counterparty on its website or a third-party website through the Counterparty’s payment form designer, works correctly with all popular Internet browsers, including Microsoft Internet Explorer 8.0 and above, Mozilla Firefox version 3.0 and above, Google Chrome, Opera version 10 and above, Opera Mini and Safari version 4 and above.
    11.9.3. Calling the Operator’s payment form via a link placed on the Counterparty’s website or the form designer on a third-party website should not be blocked by the Internet browser because of incompatibility with the user privacy settings or features of the technical implementation on the Counterparty’s side or on the third-party website using the Counterparty’s form designer.
    11.9.4. The Counterparty must preliminary agree with the Operator the visualization of the process of making a Money Transfer.
    11.10. The Parties guarantee that they do not violate copyright or other rights of third parties, using the trademarks or other means of individualization transferred by them to each other in accordance with these General Terms and Conditions.

    12. ACCEPTANCE OF FUNDS BY THE COUNTERPARTIES

    12.1. When making a Money Transfer or accepting cash, Payment Agents and Banks may require only identification data (Client’s number of the electronic means of payment in the Yandex.Money service, the phone number bound to it, the login or the Money Transfer code) and the amount of the transaction as mandatory information.
    Request any additional information by the the Payment Agent or the Bank when accepting funds in an amount that does not require the identification of the Payer, as well as other requirements to the Payer (registration, subscription to information services, request of the personal data, etc.) are prohibited without written permission from the Operator.
    12.2. If the Payment Agents or the Banks use of ATMs, payment kiosks and Online banking when accepting founds or making the Money transfers, specified entities must ensure compliance with the following requirements for their interfaces:
    12.2.1. Payment kiosks, ATMs and Online banking with graphic elements
    The logo provided by the Operator should be the first button that allows to carry out the Money Transfer or accept cash. The button should be located on the main page and in the section ‘Electronic Money (Commerce, etc.)’. Both buttons should lead to one page of balance replenishment of the Customer's electronic funds, which should contain the following prompt: ‘Enter the account number (or linked phone number) in Yandex.Money or payment code’.
    12.2.2. Payment kiosks, ATMs and Online banking without graphic elements
    The link/button ‘Payments to Yandex’ should be located on the main page. At the same time, the section ‘Electronic Money (Commerce, etc.)’ should also contain a link/button ‘Replenishment of account in Yandex.Money’. Both buttons should lead to one page of replenishing of Client’s electronic funds, which should contain the following prompt: ‘Enter the account number (or linked phone number) in Yandex.Money or the payment code’.
    12.2.3. Adding Money in Retail Outlets and Cash Registers
    The payment mean input field must contain comment: ‘Enter the account number (or phone number) in Yandex.Money or the payment code’.
    12.3. Receipts issued to the Payers at payment kiosks/ATMs and cashiers, as well as the success page of the Money Transfer in Online banking, should contain information about the Money transfer Recipient.

    13. RESPONSIBILITY OF THE PARTIES AND SETTLEMENT OF DISPUTES

    13.1. The Parties are responsible for non-fulfillment or improper fulfillment of their obligations under the Contract in accordance with the legislation.
    13.2. For failure to fulfill of any of the obligations provided for in subparagraph 3.1.4. of the General Terms and Conditions, the Payment Agent shall pay the Operator a fine of 5,000 (five thousand) rubles for each case identified.
    13.3. If the Payment Agent (subagent) fails to fulfill the obligations on the maximum amount of remuneration to be levied from an individual pursuant to the Contract, the Payment Agent shall pay the Operator a fine of 5,000 (five thousand) rubles for each case identified.
    13.4. For failure to fulfill the obligation provided for in subparagraph 3.5.6. of the General Terms and Conditions , the Payment Agent shall pay the Operator a fine in the amount of all cash received by the Payment Agent and the subagents in violation of this point.
    13.5. For failure to fulfill the obligation provided for in subparagraph 3.2.8. of the General Terms and Conditions, the Payment Agent shall pay the Operator a fine of 10,000 (ten thousand) rubles for each case identified.
    13.6. For failure to fulfill the obligation provided for in subparagraph 3.3.2. Of these General Terms and Conditions, the Payment Agent shall pay the Operator a fine of 20,000 (twenty thousand) rubles for each case identified.
    13.7. For failure to fulfill the obligation, provided for in the first paragraph of subparagraph 3.3.6. of the General Terms and Conditions , the Payment Agent shall pay the Operator a fine of 50,000 (fifty thousand) rubles for each case identified.
    For failure to fulfill the obligation stipulated by the second paragraph of subparagraph 3.3.6. of the General Terms and Conditions, the the Payment Agent shall pay to the Operator a fine in the amount equal to the total amount of all operations performed by the relevant subagent after the expiration of the period for the cancellation of the Payment Agent provided for by the specified paragraph.
    13.8. In case of delay in the performance of its obligation under paragraph 4.2.4. of the General Terms and Conditions, the Bank shall pay a fine of 0.3% (zero point three percent) of the amount due for each day of delay at the written request of the Operator.
    13.9. For charging the Payers with a remuneration in an amount exceeding the limit set by the Contract, the Bank shall pay to the Operator a fine of 10,000 (ten thousand) rubles for each case identified upon written request the Operator.
    In case Bank violation of the terms of clause 4.1.4 of the General Terms and Conditions, the Bank, upon written request of the Operator, shall pay the latter a fine at a rate of 10,000 (ten thousand) rubles for each case identified.
    13.10. In the event that the Money Transfer notified by the Bank to the Operator was made without the consent of the Payer, occurred as a result of a technical error, intentional or reckless actions of third parties, etc. The Bank's obligation to transfer to the Operator the amount of such Money Transfer remains and must be executed in accordance with these the General Terms and Conditions. The Bank bears the responsibility to the Payer for the Money Transfer made without the consent of the Payer.
    13.11. The Operator shall not be responsible for the Merchant’s, Provider’s, Bank’s, or Sender’s performance of their obligations to the Payers or the Clients.
    13.12. If the court decision to collect funds on the dispute related to the execution of Order on the Deposit amount transfer from the Operator in favor of an individual comes into legal force, the Sender is obliged (only if the Operator performed actions under the second subparagraph of this paragraph) to compensate the Operator’s loss in full amount collected from the Operator on the basis of the relevant judicial act including the amount of court expenses collected from the Operator within 10 (ten) Working days from the date of receiving Operator’s claim with a copy of an enforceable court decision.
    If an individual has a claim to the Operator on the grounds specified in the first paragraph of this sub-clause, the Operator shall notify the Sender about receiving such claim for settlement and declare in the hearing of first instance a petition for attracting the Sender to participate in the relevant proceedings as a third party.
    13.13. The Merchant shall independently resolve with the Payers any disputes arising in the event of a discrepancy between the amount paid by the Operator of the Money Transfer to the Merchant's tariffs (price lists).
    13.14. If the court decision to collect from the Operator in favor of third party funds on the grounds of unauthorized (without the written consent of the third party, provided for in Sub-Clauses 11.6, 9.8.5 of the General Terms and Conditions) usage of this party’s means of identification provided by the Counterparty as such by the Operator comes into legal force, the Counterparty is obliged (only if the Operator performed actions under the second subparagraph of this paragraph) to compensate the Operator’s loss caused by the violation of its obligations under Clause 11.6 hereof in full amount collected from the Operator on the basis of the relevant judicial act including the amount of court expenses collected from the Operator within 10 (ten) Working days from the date of receiving the Operator’s claim with a copy of an enforceable court decision.
    If the third party has a claim to the Operator on the grounds specified in the first paragraph of this sub-clause, the Operator shall notify the Counterparty about accepting such claim for settlement and declare in the hearing of first instance a petition for attracting Counterparty to participate in the relevant proceedings as a third party.
    13.15. In the event of disputes between the Operator and the Merchant, the Provider or the Sender on the receipt by one of the Parties of any document/notification placed in the Merchant Account, on the fact of making changes to it, on the access and use of the Merchant Account in violation of the Contract, the claimant shall prove its position.
    13.16. In the event of an occurrence of disputes between the Operator and the Merchant, the Provider or the Sender about the legality of the Merchant Account access provided by the Operator, the Operator uses the software used to generate and verify the authorization data of the Merchant, the Provider, the Sender and make its decision. The Counterparty has the right to challenge this decision in court.
    13.17. In the event of recovery of funds from the Operator by a third party due to the selling of Product by the Merchant in violation of the requirements of the legislation of the Russian Federation, generally accepted morality standards, and also due to the selling of the Products, about which the Merchant has not notified the Operator in the manner prescribed in paragraph 6.1.6. of the General Terms and Conditions, the Merchant shall reimburse the Operator the amount of the money collected from it within 3 (three) Business Days from the date of receipt of the relevant Operator requirement.
    13.18. The Agent undertakes to pay the Operator a penalty for violating the obligation specified in clause 8.1.11 of the General Terms and Conditions, in the amount of 1,000 (one thousand) rubles for each day from the time of detection until the complete elimination of the violation.
    13.19. For the delay in the performance of its monetary obligation, the Advertiser pays a penalty to the Operator in the amount of 0.1% (zero point one percent) of the unpaid amount for each day of delay.
    13.20. In the event that the placement of Advertisements under the Contract concluded with the Advertiser was the basis for presenting claims, actions, orders to the Operator from third parties, including government bodies, or bringing the Operator to administrative responsibility, the Advertiser agrees immediately upon request to provide the Operator all requested information regarding the placement and content of Advertisements, to assist the Operator in the settlement of such claims, actions, orders, as well as reimburse all losses (including judicial and pre-trial expenses, costs of fines) caused to the Operator as a result of presenting such claims, actions, orders or bringing it to administrative responsibility.
    13.21. In the event that the tax authority issues a decision on additional taxation to the Operator and/or bringing the Operator to responsibility for committing a tax offense due to the provision of unreliable reporting under the Contract by the Advertiser, the Advertiser is obliged to pay the Operator a fine of 50,000 (fifty thousand) rubles for each case and compensate the Operator for damages, uncovered by a fine, including taxes additional to the tax authorities, penalties, fines, expenses of the Operator for payment of representative services (if the decision of the tax body was appealed by the Operator).
    13.22. The duty to pay a penalty provided for in this Section 13 of these General Terms and Conditions arises at the Counterparty in the event that he receives the relevant Operator claim. The Counterparty undertakes to pay the amount specified in the demand within 5 (five) Business Days from the date of its receipt.
    In the event of non-fulfillment of the obligation to pay the penalty in the first paragraph of this paragraph by the Counterparty, the Operator has the right to use a part of the Collateral equal to the sum of the unpaid penalty for its benefit.
    13.23. Any disputes and disagreements between the Parties under the Contract or in connection with it shall be settled by court at the Operator’s location or location of its representative office in St. Petersburg at the option of the plaintiff with the application of the material and procedural law of the Russian Federation
    13.24. The Parties are relieved any responsibility of a partial or complete nonperformance of obligations under the Contract, if such nonperformance was caused by force majeure circumstances. As force majeure circumstances are understood: war (including declaration of war) or military operations, civil unrest, national health emergency (epidemic), blockade, embargo, fire, earthquake, flooding and other natural phenomena.
    If circumstances specified in sub-clause above will come into effect the Party that fails its obligations or would be unable to meet its obligations, shall notify other Party within 3 (three) calendar days on it in written form. In this case, the Party shall have the right to suspend the fulfillment of the obligations under the Contract.
    If the Party which was exposed by force majeure circumstances, will not send within 3 (three) calendar days a notification specified in sub-clause above, this Party will loose the right to refer to such circumstances as on the base to release it from responsibility for a nonperformance or improper performance of obligations under this Contract.
    Given these circumstances, the Parties shall be entitled to cease the Contact subject to the terms and conditions set forth in clause 15.2 of the Contract.
    13.25. The Counterparty undertakes to compensate in full the losses of the Operator, including, but not limited to, fines and other sanctions of the Supervisory authorities, compensation paid to a Data subject, both in judicial and extrajudicial, arising from any claims or third party claims, to the extent that they are based on a breach of Counterparty's obligations under subclauses 2.15. - 2.17., 14.3 of General Terms and Conditions.
    13.26. The Operator's aggregate liability arising under any lawsuit or any claim of the Counterparty or of third parties, to the extent that they are based on a breach of obligations established by the Operator, applicable laws, or (if signed) agreement with a Counterparty about Data processing is limited and cannot exceed 100 (one hundred) US dollars. The amount to be payed is determined by the rate of the ruble to the US dollar at the date of presentation of the claim or at the date of its satisfaction at the choice of the Operator.

    14. PRIVACY

    14.1. The fact of conclusion of the Contract is not considered by the Parties as confidential information.
    14.2. The Parties undertake not to disclose the information:
    • on the terms of the Contract,
    • on the number and amount of Transfers, Deposits or accepted cash funds under the Contract,
    • on statistical data based on the comparison of the amounts of Transfers, Deposit or accepted cash funds under the Contract and similar data of other the Operators for the transfer,
    • other information received by the Parties during the performance of their obligations under the Contract, except for cases when the Party must provide such information in accordance with the legislation of the Russian Federation or the legislation of the country of its location.
    14.3. The Counterparty is obliged at all stages of Data processing to ensure the confidentiality and protection of personal data in accordance with the requirements of the legislation of the country of residence of the Counterparty, as well as with the requirements of Applicable legislation, and in the case of receiving Data from the Operator, the Counterparty is obliged to provide respect to their treatment with:
    14.3.1. Appropriate technical and organisational measures to fulfill obligations under Applicable law;
    14.3.2. Immediate correction, modification, or deletion of such Data under the instructions of the Operator;
    14.3.3. Assisting the Operator in carrying out impact assessments on Data protection before accessing them, if necessary;
    14.3.4. Immediate notification of the Operator in writing, if the Counterparty sees a risk of a breach of an proper level of Data protection according to the requirements of Applicable law, then the Counterparty is obliged to terminate Data access or to take other appropriate measures to restore the level of protection.
    14.3.5. Immediate notification of the Operator about the requirements of the Data subjects related to ensuring the realization of their legitimate rights regarding the processing of their Data. The counterparty is not entitled to respond to such demands without the prior written consent of the Operator.
    14.3.6. The term of their processing by the Counterparty should not exceed 2 (two) calendar weeks.

    15. VALIDITY TERM, AMENDMENTS AND TERMINATION OF THE CONTRACT

    15.1. The Сontract is concluded for an indefinite period.
    15.2. Any of the Parties has the right to unilaterally withdraw from further performance of the Contract. . For this purpose, it shall notify the other party in writing of its intention not later than 30 (thirty) calendar days before the proposed date of termination.
    For the Contracts concluded in accordance with paragraph 2.1. of the General Terms and Conditions by Method 3, the written form is also considered proper if the notification is sent to/from the Merchant Account or to/from any of the e-mail addresses of the Parties specified in the Application/Contract.
    15.3. Obligations of the Parties under the Contract that arose prior to its termination stay in force until their full execution. From the moment the notification is sent in accordance with clause 15.2. The Operator has the right to suspend the execution of the Contract in accordance with clause 2.11. of the General Terms and Conditions.
    15.4. If the Payment Agent fails to comply with the requirements of Article 14 of the federal law "On the National Payment System", and other terms of attracting the Payment agent under the Contract , as well as legislation requirements on counteraction to legalization (laundering) of income obtained by criminal means and terrorism financing , the Operator has the right to withdraw from the execution of the Contract with Payment Agent unilaterally. In cases provided for in this paragraph, the Contract is terminated from the day following the day when Payment Agent receives written notice from the Operator.
    15.5. The Operator has the right to unilaterally amend any conditions of the General Terms and Conditions and Contract concluded between the Operator and the Counterparty, as well as to change the amount of the Counterparty’s /Operator's remuneration , the Information Exchange Protocol and other conditions.
    Changes in the text of these General Terms and Conditions and the Information Exchange protocol shall enter into force and become binding for the Parties from the moment of their posting on the Operator's Website and do not require the Operator to send notifications to the Counterparty. Conclusion of an additional agreement to the Contract between the Parties when its terms and conditions are changed in accordance with this paragraph 15.5 is not required.
    15.6. If the terms of the Contract are changed in the manner prescribed in paragraph 15.5. of the General Terms and Conditions, the Counterparty has the right to withdraw from execution of the Contract by sending to the Operator a notice in hard copy within 3 (three) Business Days from posting changes on the Operator website.
    15.7. The Parties have the right to include into the Contract or Application the terms that differ from these General Terms and Conditions.. In case of contradiction of the General Terms and Conditions to the terms of the Contract (the Application) the Parties apply the terms of the Contract (the Application).

    16. Other Conditions

    16.1. All listed annexes to these General Terms and Conditions are posted on the Operator’s Site and are integral part of the Contract:
    Annex No. 1. Electronic Document Flow Agreement
    Annex No. 2. The form of the list of locations of transactions
    Annex No. 3. The list of the Counterparty’s documents
    Annex No. 4. The table of payment methods
    Annex No. 5. The Form of Contract on engaging the Payment Agent
    Annex No. 6.1 The Form of Contract with Resident Bank
    Annex No. 6.2 The Form of Contract with Non-Resident Bank
    Annex No. 7.1 The Form of Contract with Resident Sender
    Annex No. 7.2 The Form of Contract with Non-Resident Sender
    Annex No. 7.3 The Form of the Application for Resident Senders
    Annex No. 7.4 The Form of the Application for Non-Resident Senders
    Annex No. 8.1 The Form of Contract for Resident Merchants
    Annex No. 8.2 The Form of Contract for Non-Resident Merchants
    Annex No. 8.3 The Form of the Application for Resident Merchants
    Annex No. 8.4 The Form of the Application for Non-Resident Merchants
    Annex No. 9.1 The Form of Contract for Resident Providers
    Annex No. 9.2 Form of Contract for Non-Resident Providers
    Annex No. 10.1 The Form of Contract for Resident Agents
    Annex No. 10.2 The Form of Contract with Non-Resident Agents
    Annex No. 11.1 The Form of the Contract for Resident Advertisers
    Annex No. 11.2 The Form of the Contract for Non-Resident Advertisers
    Annex No. 11.3 The Application Form for Resident Advertisers
    Annex No. 11.4 The Application Form for Non-Resident Advertisers
    16.2. None of the Parties has the right to assign its rights and obligations under the Contract to third parties without the written consent of the other party.
    16.3. In the event of a discrepancy between the text of these General Terms and Conditions or the Contract in Russian and the English text, priority is given to the Russian text.
    16.4. The e-mail addresses specified in these General Terms and Conditions, Application or the Contract will be used for the information interaction of the Parties in the execution of the Contract.
    All electronic messages sent from the Counterparty's e-mail addresses indicated in the Contract or the Application are considered originating from the authorized person of the Counterparty.
    The Operator may send messages to any of the Contractor's e-mail addresses contained in the Contract or the Application (regardless of the specified purpose of using the e-mail address) , and it is acknowledged as proper notice to the Counterparty of legally significant actions and events, unless the obligation to notify the other Party in writing on Paper is expressly provided for in these General Terms and Conditions. In cases where these General Terms and Conditions provide for the right of the Counterparty to use electronic communication for information interaction, the Operator shall acknowledge as a proper notice the sending by the Counterparty of an electronic message from the e-mail addresses specified in the Contract or the Application.
    16.5. The Counterparty is obliged to notify the Operator in hard copy in a three-day period of any events that may affect the execution of the Contract, including changes in its name, location, actual address, bank details, address of the website, contact information, E-mail addresses for information interaction in accordance with paragraph 16.4. of the General Terms and Conditions.
    The Merchant having the Merchant Account has the right to change the e-mail addresses used for information interaction by posting relevant information in the Merchant Profile.
    16.6. Contact information of the Operator:
    Physical Address115035, Russia, Moscow, 82 Sadovnicheskaya street, building 2
    Address for Correspondence115035, Russia, Moscow, 82 Sadovnicheskaya ulitsa, building 2
    115035, Russia, Moscow, POB 57
    Phone number+7 (495) 739-23-25
    Fax+7 (495) 739-22-11

    E-mail addresses
    For Merchants and Providers For Register Approval issues: shoppay@yamoney.ru
    For technical issues: yamoney_shop@yamoney.ru
    For other issues related to the conclusion, execution and amendments of the Contract: ecommerce@yamoney.ru
    For BanksFor Registers and Certificates of Services Rendered Approval: daygate@yamoney.ru
    For Payment Refund: otmena-banks@money.yandex.ru
    For financial issues: finance.moscow@yamoney.ru
    For technical issues: gateway@yamoney.ru
    For other issues related to the execution of the Contract: infobanks@yamoney.ru
    For Payment AgentsFor Register Approval issues: daygate@yamoney.ru
    For Payment Refund: otmena-banks@money.yandex.ru
    For financial issues and Agent Report Approval: finance.moscow@yamoney.ru
    For technical issues: gateway@yamoney.ru
    For other issues related to the execution of the Contract: infobanks@yamoney.ru
    For Advertisers For sending the Applications:
    offer_clients@yamoney.ru
    b2boffers@yamoney.ru
    For sending Lead Register and Reports of the Advertiser for Customer Offers
    offers@yamoney.ru
    Concerning any matters related to Consumer Offers: offer_clients@yamoney.ru
    Concerning any matters related to Business Offers: b2boffers@yamoney.ru
    Также Стороны признают юридически значимыми сообщения, направленные Оператором с любых адресов электронной почты, имеющих учетную запись в доменах «______.yamoney.ru» и «______.kassa.yandex.ru».
    Указанные в таблице назначения адресов электронной почты являются ориентировочными. Оператор вправе использовать любой из вышеприведенных адресов электронной почты для рассылок с назначением, отличным от указанного в таблице для данного адреса электронной почты.
    16.7. If the Counterparty fails to fulfill any monetary obligations to the Operator (including recourse claims) within the term established by these General Terms and Conditions (hereinafter referred to as Debt), the Parties agree to terminate the obligation to pay the Debt in a manner in which the obligations of the Parties are terminated:
    • for the Counterparty - in respect of the repayment of Debts
    • for the Operator - in respect of the performance of monetary obligations to the Counterparty for any contracts concluded by the parties for the amount of the Debts of the Counterparty repaid.

    The Operator notifies the Counterparty of the application of this rule via e-mail, the address of which is specified in the Contract or in other ways accessible to the Operator.
    The obligations shall be terminated in accordance with the procedure established by this paragraph 16.7 on the day on which the Operator sends to the Counterparty a statement of settlement in electronic form or on paper.
    16.8. The terms of these General Terms and Conditions governing relations between the Operator and the Merchant are applied to the relations of the Operator and the Counterparty who have concluded an agreement on information and technological interaction for transfers of individuals without opening an account by accepting by the Operator the offer of the Counterparty in the form of an application before the date of publication of these General Terms and Conditions on the Operator's Site.
    16.9. The terms of these General Terms and Conditions governing relations between the Operator and the Merchant are applied to the relations of the Operator and the Counterparty who have concluded an agreement on information and technological interaction for transfers of individuals by accepting by the Operator the offer of the Counterparty in the form of an application before the date of publication of these General Terms and Conditions on the Operator's Site.
    16.10. The terms of these General Terms and Conditions governing relations between the Operator and the Advertiser are applied to the relations of the Operator and the Advertiser who have concluded the Contract for Provision of Paid Services in accordance with the General Terms and Conditions of the Yandex.Money advertising platform posted at https://money.yandex.ru/offers-terms.

    17. Anti-Corruption Clause

    17.1. Under corrupt activity, the Parties shall understand any acts committed directly or indirectly, in person or through the mediation of third parties, in order to obtain benefits in the form of money, valuables, other property or property rights, simplification administrative and other procedures, to provide competitive and other advantages, to obtain the permission of regulatory authorities for themselves or for third parties.
    Corruption activities may be carried out including, but not limited to, in the form of: abuse of office or official position , or any other unlawful use by a person of his office or official position; Giving, receiving, extortion or declining to bribe; Commercial bribery; Payouts, offer or authorization of payouts of funds or transfer of valuables in any form, including in the form of gifts, granting rights or services.
    17.2. Each Party, its employees and representatives are not entitled:
    • to commit corrupt actions against state and municipal authorities and their employees, contractors, as well as other legal entities and their employees, management authorities and representatives of the mentioned legal entities;
    • to participate in corruption activities committed against this Party;
    • to commit corrupt actions against the other Party with the purpose of influencing its actions and decisions on concluded contracts or on the contracts that are in a process of conclusion;
    • to commit or assist the activities aimed at the legalization of money obtained by illegal means, including as a result of corrupt activities.
    17.3. Each of the Parties shall:
    • abide by the proper law, as well as the rules of the international law on counteraction to corruption activities;
    • carry out measures aimed at identification, suppression and prevention of corruption activities, including the development and implementation of anti-corruption policies and regulations, to carry out monitoring in order to identify risks of involvement in corruption activities, organize and conduct internal official investigations on the facts of the detection of corruption violations, as well as other reasonable ways to counteract corruption.
    17.4. If the Party suspects that a violation of the provisions of clause 17.2 of this General Terms and Conditions has occurred or may occur, the Party shall notify the other Party in writing. In the written notice, the Party is obliged to refer to the facts or to provide material that reliably substantiates or suggests that there has been or may be a violation of any of the provisions of Clause 17.2 of this General Terms and Conditions by the other Party, by its employees or representatives.
    The special channel of the Operator for reports of corruption: stop_corruption@yamoney.ru.
    17.5. The Parties shall guarantee due process of violation of the provisions of clause 17.2 of the General Terms and Conditions in accordance with the principles of confidentiality and the application of effective measures to prevent possible conflict situations. The Parties shall guarantee the absence of negative consequences both for the notificated Party in general and for the employees of the notificated Party reporting the fact of the violations.
    17.6. In case of violation by the Party of this corrupt clause, the other Party shall have the right to refuse the performance of the Contract by giving written notice to the breaching Party by e-mail or in writing not less than one day, and also to demand Compensation of damages caused by such infringement.
     
    Date of publication: 16 July 2018